Q: Hi, I took a loan from a UAE Bank for AED 450,000, I now have AED 230,000 of the loan outstanding. Due to delay in my salary, I missed 3 instalments and the bank deposited my security cheque for 600,000 AED and it bounced. My bank filed a case with the police 10 days ago. I went to issue a visa for my daughter and was informed that I can not complete the application as I have a police case for bounced cheque 10 days ago against me in Qusais Police Station. I am trying to get refinance from my bank, assuming the refinance doesn't go ahead, kindly advise: 1- When would it be likely to get called to the police station (how many days typically after a case is filed). 2- When called the first time, am I likely to spend time jailed in a police station or can I walk out the same day if I surrender my passport. 3- Will a fine be imposed? 4- If this goes to court, what is the likely sentence? 5- Is my liability to the bank AED 600,000 or 230,000 AED? I intend to pay in full over 2 years

س: لدي مشكلة قرض وبطاقات ائتمانية تصل إلى ١٠٠ ألف درهم. كنت أدفع بشكل دائم لكن الآن توقفت عن العمل كونه أصابني مرض ويجب أن ألغي إقامتي مع الشركة وأذهب إلى بلدي للمعالجة ولا يوجد لدي المال لكي أدفع لهم. ماذا أفعل بهذا الموضوع، مع العلم أني لا أستطيع العمل لحين معالجتي من المرض؟ هل سيتم توقيفي في المطار إذا أردت المغادرة؟

Q: What happens if I failed to pay several installments from my personal loan from the bank?  I have not received any warnings or notice to pay, does this mean they filed a case or they must send me a notice first.

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.

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.