Questions & Answers
Questions & Answers
5 available 5 • View allFailure to pay bank loan and the possible legal action
9
Q: Would like to know what are the legal implications one has to face for not being able to pay the personal loan repayment.

May 8, 2019
3120
Negotiation for the restructure of a loan with bank
3
Q: I have a personal loan at Dubai Islamic Bank. I was paying regularly but in 2016 me and my wife were having financial difficulties so I skipped 2 payments.
I kept paying regularly after that and wasn't able to catch up on that missed payment, and when my company was about to renew my visa, there was a case filed against me by the bank, so I got jailed.
To to cut it short, I paid an amount that was placed on what I am assuming the security check.
But until now they are still calling me and asking me to pay the remaining amount of my loan and threatening that they will file up another security check to got me jailed again.
I am very concerned and stressed as I am traveling by December of this year.
Kindly help please.
Thanks.

Nov 29, 2018
5178
Criminal and civil cases for defaulting on a bank loan
28
Q: Hi.
I would like to ask a question.
I had a bank loan in 2013, and due to crises, I lost my job in 2015 and couldn't continue my loan instalments.
But now, I got a job in Dubai, and before coming to Dubai I spoke to the bank from my home country to remove police case and allow me to come to Dubai. The outstanding amount was AED 68K.
The bank gave me a release letter with the help of Central Bank on the condition that I will continue my loan instalments, but my salary is not that big to be able to continue.
So now the bank is telling me they will make a travel ban and civil case against me.
My question is if bank files a case and I pay a fine in court against the cheque bounce, will the central bank or local bank still make another case or travel ban?
Please help me and give your advice.
Thank you

May 2, 2018
31843
Can I remove a cheque bounce case for a credit card and what is the cost?


0
Q: Salamu Alaikum.
There is a case against me for a cheque bounce from a credit card provider and I am abroad. I know the case number and amount of the cheque.
How to get the penalty and how to pay when I am abroad?
If I hire a lawyer, how much is it going to cost me, and how long will it take to clear my case?
I need a police clearance certificate so I can visit the UAE again.



Jun 26, 2023
145
Can I put a travel ban on someone who owes us less than 10,000 AED?


2
Q: Hi,
I just wanted to ask if I can put a travel ban on someone here in Dubai. They owe us money, but it is not more than 10,000 AED; it is around 9,000 AED.
When I looked online, it seems it should be more than 10,000 AED.
Can you please help me with this?



May 23, 2024
719
Legal blog
3 available 3 • View allThe Consequences of Job Loss and Defaulting on Financial Liabilities 26
The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.
Feb 12, 2019
18894
Online POA and Other Notary Public Services in the UAE 28
With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.
Jun 8, 2021
19178
How Can Lawyers Effectively Manage Debtor Detention Procedures 1
How can lawyers effectively manage debtor detention procedures in light of the recent changes of Federal Decree-Law No. (42 of 2022 and the General Assembly of Dubai Cassation Court Decision No. (9) of 2024?
Sep 9, 2024
104
Laws & Regulations
2 available 2 • View allFederal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.
Dec 15, 1985
148367
Federal Law No. (3) of 1987 Promulgating the Penal Code 29
This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.
Dec 8, 1987
47904

Other answers by
20 20 answers •
View allIs deducting half the salary considered a breach of the employment contract? 0
Hi,
I am working with an employer in Dubai since October 1st, 2021. The company is deducting salary in the name of consultancy as I was got hired from India. But there was no such contract between employee&employer for deduction in salaries.
Still, the employer deducted my half the salary for 2 months and I requested to stay at room till the company gets new project also they have taken my educational certificate stating it is the company policy.
I have already emailed the company to pay me a full salary for staying in the room or give me NOC.
1. Can I resign from the company without a notice period as I am in probation period and my contract is limited?
2. What should I do if the company doesn't pay me my salary for the days I am staying in the room?
3. Can this be considered a breach of contract by the employer?
Dec 26, 2021
284
Visa cancelation by an employer while an employee's dues are not settled 0
Hello Sir,
I have worked for a company for 4 years and 4 months on an unlimited contract and resigned after serving a notice period of one month as the employer was not paying me the salary properly for almost a year.
Now, he hasn't settled my EOSB, pending salary but canceled the visa.
How can I claim my dues?
May 17, 2021
397
Can I terminate a property purchase MOU and claim refund due to seller's breach? 0
I signed an MOU for purchasing a property from the seller. It has now been close to two months, with no progress.
The tenant at the seller's property is not allowing time for valuation purposes. And now the seller is saying it's not his problem and is not willing to pay the 10% agreed as per the MOU.
There's a specific clause in the MOU as below:
"In the event that the 'seller' fails to complete the transfer on the agreed date due to his own act or omissions, then the full deposit will be refunded to the buyer, and also the 'seller' agrees to pay the same deposit amount to the buyer as a compensation for the loss of the said property unless they agreed amicably to different terms or dates."
May 4, 2021
3508
Is the wife liable for the unpaid loan of her husband? 0
Am I responsible for the unpaid debts of my husband?
My husband took a loan in Dubai. We were paying installments on time but later on, he lost his job and we had to move back to our home country.
Now he can’t go back to the UAE until he settles his debts. My company wants me to go to Dubai for some official work but I am not sure if I am able to travel freely or I am also banned to travel.
Please, can someone help me with this?
Apr 25, 2021
1675
How to check if the bank filed a case against me before leaving the UAE? 0
I lost my job and since then, I haven't been successful to get hired in the UAE. Fortunately, I got a job back home, starting date at beginning of May.
I have a bank loan with a bank that I couldn't close in full before leaving the UAE. My end of service would be used as a partial payment of the loan but the remaining balance will be over 200K.
I aim to reach a new agreement with the bank, having a lower monthly instalment and longer loan period, being paid from my home country.
I need an advice how to proceed on this matter in order to be able to leave the UAE at the end of April without being stopped at the border and reach an agreement with the bank from outside the UAE to pay the loan from my home country.
The answer time from the bank is very slow.
Thank you
Apr 20, 2021
1389
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