Questions & Answers
Questions & Answers
3 available 3 • View allSettlement of loans and credit cards cases with the bank
54
Q: I unintentionally left the UAE in 2016 due a to family emergency with an unpaid credit card and a few loans.
Since I have got confirmed by a Dubai based colleague that I have a police case already for bounced cheques cases. How do I go about the settlement from outside the UAE?
I have heard of the fines imposed as well as bounced cheque criminal case has been demoted to a minor misdemeanour in Dubai.
Involved banks are ADCB (loan of 120k), FGB (credit card - 70k), ENBD (credit card - 20k), HSBC (credit card - 13k) and CITIBANK (loan of 31k).
Thank you for your help. Please advise on the action that I can take to settle my issue without going to Dubai, UAE.

Jan 2, 2019
14148
التفاوض مع البنك لتسديد قرض قديم من خارج الإمارات
0
س: لقد غادرت الإمارات منذ 5 سنوات وكان علي قرض لأحد البنوك بقيمة ٦٠ ألف درهم، وكانت مغادرة لأسباب قهرية.
والآن لا أعلم ماذا حدث وأرغب في سداد المبلغ أو التفاوض لسداده دون قيمة فوائد إذا أمكن. فما هو الإجراء المتبع؟ وهل يجب العودة لإتمام هذه العملية؟

Feb 4, 2019
1065
Settling bank loan and credit cards after leaving the UAE
5
Q: Hi Sir,
I am looking forward to having a debt solution in the UAE.
I am currently not in the UAE and I did not pay to the banks since August 2018. Otherwise, I had been paying since last three years.
I have 5 credit cards & one personal loan. Can you please help me in this regard?

Jan 8, 2019
2229
Laws & Regulations
1 available 1 • 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
148623

Other answers by
Cancellation of SPA for delay in delivery and defaulting on payments 2
Hi
I bought an off-plan property from a developer in downtown during the peak time. My payment plan was based on construction with completion being Dec 2019. I have paid more than 50%.
I requested the developer to readjust my payment plan as the project is delayed. They moved on payment forward and sneakingly changed completion date to Aug 2021 in the document. The SPA still says Dec 2019.
Now I'm struggling to pay the next payment due to COVID-19 and project is completed 56% as par Dubai land department and 60% as per the developer. The developer is asking for payment and calling me every day.
My question is can I still use the delay in the project as a clause to cancel my unit?
Can I cancel my apartment and how much can the developer deduct?
After selling me, the developer started offering customers post-handover payment plans for 4 years, which is very unfair as even if I complete my payment, no one will buy from me as the developer is selling something with 4 years post-handover.
Can legal help be provided in this regard?
Jun 7, 2020
932
Easy way to know whether a job offer is real or scam 100
I am a health professional in Canada.
Years back, I posted my CV to work in the middle east on a job site in the gulf. Last week, I got 3 emails claiming from a general hospital in Abu Dhabi, a hospital Dubai and another medicare hospital in Dubai for online recruitment.
they showed interest in my CV. All emails were from free accounts (gmail.com address). I chose then to forward an email to the concerned HR department of the concerned hospitals.
I forwarded one email to the official email of one of the hospitals (as given on the hospital site). They replied and said, yes, the email is legitimate and you can apply with confidence.
Now I got an offer letter from Dubai hospital with handsome salary offer but from a Gmail address. They're asking me to start position in one month only and asking to contact a travel agency based in Dubai.
Is it a scam or true? I have forwarded the email to the HR department of the hospital to determine authenticity.
Jun 7, 2020
14686
Employee rights in case of changing an unlimited contract to a limited contract 7
Hi,
What is the law if an employer wants to change a contract from an unlimited to a limited contract?
Is the employer liable to pay the 3 months arbitrary dismissal (if valid) + other monies owed prior to changing the current unlimited contract to a limited contract?
Jun 7, 2020
4908
Terminating the SPA and claiming refund for changing specifications 2
Can a developer change the layout of the building as shown at the launch event and part of all brochures/online advertisements/model under the pretext that the same is not included in the SPA?
For the launch, we got convinced with the building design and layout but at delivery, it’s changed without prior intimation.
Can I make a legal case or can they take the guise that it’s not part of the SPA?
Can I get a refund for the 30% advance payment and refuse possession of the unit?
Jun 8, 2020
756
Inability to continue paying the installments of a property because of COVID-19 5
Hi sir,
I live in the UK. I am an investor and a broker for a property development company. One of my customers bought an off-plan property from it i.e just Cavalli Villa 2 years ago. 33% was completed and handover is due in 2021.
My client paid part of the deposit around AED 390000 (£80000) and she has been paying to the project for the last two years until early this year when COVID- 19 hit the UK. Since then, she has been ill and lost her job and, therefore, she is unable to pay.
My customer received a letter from the company saying that if the outstanding amount is not paid within 30 days, then they will take her to court. They say that they would cancel her plot and she will lose all MONEY paid so far.
My client needs payment delay until her situation improves but this request has been declined. The money secured under the ESCROW account. Can the developer have the power to take money from the escrow account?
What is her right under Dubai law? Can she do anything to avoid court order? The UK is in lockdown at the moment with no proper or normal banking functions.
Thank you!
Jun 9, 2020
1552

Premium
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I secured a mortgage from the bank and the broker kept delaying until the MOU expired. What to do? 0
Hi,
I need some guidance regarding a property transaction that is not progressing as expected.
My broker initiated a manual Memorandum of Understanding (MOU) between me (the Buyer) and the Seller, with an expiry date of 01/02/2025. Within this period, I successfully arranged the bank mortgage, property evaluation, and NOC.
However, the broker started giving excuses, such as the seller being hospitalized. Later, the broker attempted to arrange a Power of Attorney (POA).
However, after that, they started ignoring my messages and calls. It now seems like they no longer intend to proceed with me, and the MOU has already expired.
Meanwhile, my bank EMI has already started, and I have paid two monthly installments. The broker is still unresponsive. I have raised multiple complaints through DLD RVS against the broker, but the response has been very slow and unsatisfactory.
I’m feeling stuck and financially burdened.
Please advise
Apr 9, 2025
150
What can I do with the contractor I paid to build my house and disappeared before completion? 0
Hey,
I'm building my house in Dubai, and it was going well.
I gave the contractor 420k as a first payment, and we both agreed that the rest would be in installments. Just two months ago, the contractor went off the grid, and I can't find him.
All I have is a security cheque that bounced back when I went to the bank, as the signature doesn't match what's in the file.
However, I learnt that he does have money, but not the amount that's in the cheque.
What should I do now to get my money back?
I need advice.
Apr 8, 2025
137
Transferred within the same UAE group. What happens to my benefits and allowances? 1
Hello,
I was an employee of a major group in the UAE. Now, they have transferred me to another entity within the same group in the UAE.
What happens to the benefits and allowances agreed upon by the first entity?
Please provide the legal details related to this matter, along with the relevant statutory provisions.
Mar 7, 2025
102
How to recover unpaid fees from a client who refuses to pay for online consulting services? 1
Hello,
A client of mine used our consulting services online and is refusing to pay. Despite multiple reminders, she still has not made the payment. What legal action can I take against her?
Mar 11, 2025
122
Juvenile case withdrawn, but the prosecution refuses to drop it. What happens next? 1
Hello,
A juvenile case has been withdrawn by a third party, but the prosecution doesn’t want to end it.
The child is out on bail. Now the case has moved to court.
What steps should be taken next, or how will they handle it?
Feb 26, 2025
93

Premium
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Due to security reasons, my UAE visa was rejected. What do I do? 0
Due to security reasons, my UAE visa was rejected.
What do I do?
May 14, 2025
20
Can I appeal a deportation in the UAE if I was unknowingly involved in a crypto scam? 0
Hello,
Please, I need help. I had a case where someone sent money to my account. I was selling USDT, but another person used me, scammed the person, and sent money to my account.
I sent the USDT. I didn't know the person who sent the money to my account, so I gave him the USDT. Later, I was arrested for scam and using cryptocurrency without a license.
The judgment came out: to pay 900 AED, 1 month imprisonment, and deportation. Please, can I appeal not to be deported?
May 20, 2025
7
Will a non-compete clause be included in a third-party employment contract in the oilfield? 0
Hello,
Will a non-compete clause be included in a third-party employment contract in the oilfield?
In what kinds of fields are employers required to enforce this clause? If there is a clause in the contract, what are the solutions to overcome it?
If the employer demands a huge penalty to avoid any legal mess regarding this, do I need to pay the amount?
May 20, 2025
14
What can I do if a contractor failed to deliver a paid renovation project? 0
Hello,
I paid a contractor (via bank transfers) to deliver a project (1BHK renovation – full), and they did not.
What action can I take against them in Dubai?
May 19, 2025
22
Am I required to replace an old fridge owned by the landlord if it can't be repaired? 0
Hello,
My rental here in Dubai comes with a fridge and cooker. I believe these to be at least 10 years old. The fridge has now stopped working and requires a part to be replaced.
This comes at a cost of 540 AED, which is over the agreed amount that I am responsible for. My Ejari comes with an extra addendum provided by the landlord, which states:
1. The landlord is responsible for major maintenance of the apartment (namely structural, electrical, and plumbing) exceeding 500 AED + 5% VAT. The tenant is responsible for any minor maintenance as needed as a result of wear and tear.
2. The property is leased with the following assets (fridge and cooker) owned by the landlord in working condition and should be returned in the same condition. Any maintenance required is the tenant’s responsibility.
My question is:
If I'm unable to fix this fridge, do I have to provide a new one? The company looking to repair the fridge is having an issue finding the part needed, as it is old.
May 19, 2025
21
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