Questions & Answers
Questions & Answers
7 available 7 • View allDenying wrong claims by the bank after paying all dues correctly




2
Q: I have used a credit card for less than one year in 2013. I paid the amount correctly and the last statement was zero. I made a request to close it in the same year as there were card charges from 2nd year.
Afterward, I was not getting any statements or messages. After 8 years, I received a text message on February 19th to pay 86000 before March 13th. I contacted the bank and they aren't passing any clear details.
I need help!





Mar 25, 2020
438
How to sue the bank which falsely accused me based on forged documents?
0
Q: The Bank filed a false case against me and when I visited the bank's legal team I found that all my documents were forged and the loan was processed. I suffered in jail for one day and then the case was withdrawn by the bank.
How to demand an explanation and compensation from the bank? Am I eligible to sue the bank?
I'm currently financially weak and would like to pay the lawyer fees after getting any compensation. I have proof of forged documents.

Oct 25, 2017
1986
Maintenance bank account fees and charges 
0
Q: Hi Sir,
I was terminated from my job last year and I left Dubai without closing my bank account. When I left my account balance was zero.
Now the bank is charging me 25 Dirhams minimum on balance and debit interest rate 175 AED.
The bank has made a total amount of AED -2500 from the last 15 months. My question is this: if I return on a visit visa to Dubai, will the immigration detain me?
Thanks.

Apr 6, 2019
974
How to check if the bank has manipulated documents while opening account
0
Q: Hello,
I have an instance where a bank has apparently tempered/manipulated with the account opening documents.
Can I have a court expert appointed to check the bona fides of the account opening documents?
Regards

Jan 31, 2021
377
بنك يرفع الفائدة بصورة غير عادية. ماذا أفعل؟


1
Q: هل يستطيع البنك أن يرفع دعوى ضد عميل على خلفية استهلاك بطاقة ائتمانية بسبب التوقف عن دفع الأقساط لارتفاع ملحوظ في الفوائد؟
علمًا بأنه لا توجد أي اتفاقية أو عقد مبرم بين الطرفين أو مستند أو ما يثبت أن العميل استهلك هذه البطاقة أو أي توضيح بشأن نسبة الفوائد أو أي دفعات إلزامية للبنك.
هل ستأخذ المحكمة هذه النقطة بعين الاعتبار؟
البنك يسعى بدوره إلى رفع معدل الربا (الفوائد) بصورة غير عادية أي بنسبة فائدة 40%. هذا أبشع أنواع الاستغلال مع عدم المصداقية في التعامل!
أشار البنك في بداية الأمر إلى أن هذه البطاقة الائتمانية هي قرض حسن وليست ذات فائدة. (أين موقعها من الإعراب من القضايا في قانون الإجراءات المدنية الإماراتي؟)
الرجاء الإفادة وشكرًا!



Aug 31, 2021
189
Defer the seizure of mortgaged property after reaching a settlement with the bank

0
Q: I have a mortgage with a bank. I have overdue installments along with overdue service charges and the bank has filed foreclosure.
I have reached a settlement with the bank but the bank needs an MOU from the buyer which will take some time.
What I want is to get a stay or deferment on the action of property seizure. I have got the court notice already for property seizure.
Can we get the deferment of seizing the property?
I am living on the property with my family.


Oct 28, 2021
216
العميل سدد المبالغ التي استخدمها ورفض دفع مبالغ الفائدة البنكية. هل يجوز ذلك؟
2
س: السلام عليكم،
هل يحق للبنك في إمارة دبي أن يرفع دعوى جنائية أو مدنية ضد عميل لم يسدد مبالغ الفائدة بل سدد فقط المبالغ التي قدمها البنك أصليًا (مبلغ القرض فقط)؟
منحه البنك بطاقة ائتمانية بحجة أنه "قرض حسن بدون فوائد"، وبعدما استخدم العميل البطاقة الائتمانية بفترة زمنية قصيرة وفجأةً تم إرسال رسالة إلى العميل تفيد بأن هناك مبالغ متراكمة بسبب الفائدة البنكية بقيمة ٤٠٪ من القرض الأساس المُقدم إليه.
علمًا بأنه تم تزويد العميل بالبطاقة الائتمانية عن طريق البريد السريع لعنوان منزله بدون طلب رسمي من العميل بذلك، بالإضافة إلى أنه لا يوجد أي من المستندات التالية بين البنك والعميل:
١- عقد. ٢- اتفاقية. ٣- شيكات كضمان. ٤- سند أو شريعة أو قبول خطي أو غير خطي أو توثيق يتضمن أي توقيع من الأطراف؛ بمعنى آخر، لا يوجد أي اتفاق على الإطلاق.
العميل سدد المبالغ التي استخدمها ورفض دفع مبالغ الفائدة البنكية المضافة سالفة الذكر.
الرجاء الإفادة ولكم جزيل الشكر!

Aug 14, 2022
277
Laws & Regulations
2 available 2 • View allFederal 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
47956
Federal Law No. (11) of 1992 Concerning Issuance of the Civil Procedures Code 42
The law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.
Feb 24, 1992
75399

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
925
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
14679
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
4904
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
753
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
1546
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