Q: I have a police case for a bounced cheque last year March 17. It was against a loan which I drew but later I changed my job. I left the UAE and came back, but before I can do something the bank felt insecurity and immediately they submitted my security cheque to the police station and put a case on me. The same day, I paid the fine and came out. Later, I joined a new company and provided the necessary documents and new security cheque. My account was then regularised (After resigning from the previous company my account was frozen) and since then everything is fine. Now, I want to settle my loan in full. I already mobilised funds needed. I want to know asap if I settle the loan in full, how the travel ban or police case will be removed? Will the bank do everything and give me a clearance letter?

Q: Hi. I got a loan of 30,000 from a finance company. I was paying my monthly EMI. After that, I lost my job and I wasn't able to pay. Then I got another job. My employer applied for a visa but my name got a match with a guy who is blacklisted in the UAE. After many attempts, I got the visa but I did not get my Emirates ID. Due to expired ID, my sim got blocked and I was not in contact with the finance company. Even to date, I don't have an ID. Before a few months, the finance company put a case on me and I was unaware about that and I have no idea that there is running a case on me. In my absence, the court gave a judgement of 5 months in prison. I'm still in the UAE. A few days ago, I was travelling from Sharjah to Oman and they arrested me at Sharjah airport. I am on bail now. My next date in court will be in next week. I want to know is there any solution to avoid prison or convert prison to fine?

Q: I had a loan from a bank for AED 140000. I lost my job in Dubai and I had to return to my home country. Now, the recovery is calling me and my family. I have no money because I had a loss in my business. How can I settle the money? If I go back to Dubai, will there be any imprisonment?

س: السلام عليكم، ماذا يحدث إذا رفع البنك دعوى مدنية ضد شخص في حال عدم سداد القرض الشخصي أو قرض السيارة؟

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.

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.

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.