Questions & Answers
Questions & Answers
7 available 7 • View allHow to defer bank payments of mortgage due to COVID-19




1
Q: Good morning
My husband lost his job last year in October after 15 years in Dubai. He continued to pay his mortgage without giving any excuse to the bank till now when COVID-19 happened. He is on my visa. We want to defer mortgage payments for a few months.
Kindly advise what should we write to the bank in this regard as they are demanding the payment now. We received the email this morning.
I would like to mention that we have been paying the mortgage regularly.
Best Regards





Apr 16, 2020
335
Dealing with a credit card after losing job due to COVID-19


1
Q: I’ve lost my job due to COVID-19. I am a school teacher. My school will open in September.
I have a credit card with a bank. What legal action can I do?
No means of paying them for the meantime.



Apr 26, 2020
1231
Is it possible to postpone bank installments due to salary cut?

0
Q: Hi,
I took a personal loan and have a current outstanding 18 months to pay amounting to AED 63,975. In 2018, I lost my job but still managed to pay my dues until April 2019.
My salary on the new company is lower compare to when I took the loan, and due to current COVID-19, my current salary has been cut further down of 40% and will not be able to pay my monthly dues.
What with be my legal case if I will not be able to settle this outstanding amount?
Your response is highly appreciated.


May 14, 2020
428
Bank obligations in case of employment termination for COVID-19
0
Q: Hello,
I’ve been in redundancy from my employer related to COVID-19 impact to the industry. What will happen to my personal loan?

Jun 11, 2020
433
Settlement with the bank for defaulting on a loan due to COVID-19

4
Q: Hi,
I have an outstanding loan with 97000. I have been always paying and have a good history with the bank.
The loan was given with a salary guarantee from my company. I work for a reputable airline, however, I was just notified a couple of days ago that I have been made redundant due to the pandemic.
I understand the bank will seize my end of service gratuity. That will leave me with around 70000 outstanding. Based on the current market situation it will be hard to find a job on time.
I have an official letter from my company with the reason why my contract was terminated, although my contract is auto-renewal. I have a few questions, if I may.
1- Since I haven’t missed a payment before, when does the bank issue a travel ban?
2- What are my options at the moment? I won’t be able to repay the outstanding unless I find a job.
3- What kind of legal action can the bank take against me?


Jun 12, 2020
1016
The reason for car detention by police upon a request from the bank
3
Q: Hi,
Yesterday my car has been detained by the police but I was not aware why. When I have been checked at the police station, they told me that there is an issue with the bank.
What I remember is that some payments were not made since I was stuck in my home country due to COVID-19 from Feb to July 2020 due to which I was not able to pay the monthly instalment.
I resumed work in Aug and started paying my instalments after that. Why did the bank request my car detention?

Jan 11, 2021
990
What to do if I lost my job due to COVID-19 and have credit card and loan?
0
Q: I have 3 credit cards and a loan. Now I have resigned from my job due to the Covid issue and last year there is a deduction of my salary and unpaid leave.
How will I handle this situation?

May 30, 2021
295
Legal blog
3 available 3 • View allIs COVID-19 a Force Majeure Event? 10
As the world is currently experiencing a major lockdown and suspension of almost all commercial and civil operations, the question arises in the novelty of Coronavirus outbreak on how serious it is to be dealt with as a Force Majeure.
Apr 7, 2020
2233
The 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
18885
What is Force Majeure & How Does it Apply During COVID-19 in the UAE 0
An interview-format article covering the topic of force majeure in the UAE, in light of COVID-19. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.
Feb 11, 2021
531
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
148342

Other answers by
305 305 answers •
View allالضمانات التي تحصل عليها شركة التمويل مقابل إعطاء قرض 0
حصلت على قرض شخصي وكريدت كارد من مؤسسة للتمويل بإجمالي ٥٠ ألف وتعثرت لفترة والآن يطالبونني بدفع مبلغ ٢٠٠ ألف درهم بالفوائد وكنت أعطيتهم شيك بقيمة ٤٢ ألف وقتها.
سؤالي:
هل يوجد سند لأمر داخل عقد القرض (الأبليكيشن) الخاص بالشركة التي وقعت معها في البداية؟
أم لا يملكون ضمانًا آخر يُمكِّنهم من مقاضاتي به سوى الشيك الذي أعطيته لهم فقط؟
مع جزيل الشكر!
May 19, 2021
483
تقديم دعوى ضد مقاول استلم دفعتين من المال وأوقف العمل 0
هناك مشكلة مع مقاول إذ اتفقنا على بناء ملحق داخل منزل خاص ووقعنا العقد واستلم أول دفعة.
اشتغل حسب العقد واستلم الدفعة الثانية وأوقف العمل ويرفض المواصلة. تبين لي بعدما حاولت أن أقدم شكوى ضده أنه يستخدم ختم وعقد لشركة منتهية في سنة 2013 ولا يوجد لديه أي ترخيص.
كيف أستطيع أن أشكوه وبنفس الوقت أواصل البناء؟
May 20, 2021
962
Can the wife file for maintenance in the UAE after judgement in home country? 0
My wife and I are non-Muslims. Divorce was settled in our home country court which decided that I am the custodian of the children and no alimony has to be paid to her.
Children are living with me here in the UAE. However, she still resides here in the UAE using a tourist visa. She is planning to file a Maintenance Case against me in the UAE Family Court.
Can she do that?
Am I obliged to pay her alimony?
Dec 7, 2020
1379
ماذا بعد الحصول على حكم في قضية عمالية؟ 0
فصلتني الشركة فصلاً تعسفيًا وقمت بمقاضاة الشركة والحمد لله حصلت على حكم بمستحقاتي المالية من رواتب متأخرة ومكافأة نهاية الخدمة.
تقدمت بطلب تنفيذ ولم تدفع الشركة لي أي مبالغ حتى الآن!
ما الخطوة الواجب فعلها في هذه الحالة؟
Oct 8, 2020
556
Cancellation of an off-plan property and seeking refund 0
Hello
I bought an off-plan apartment with a developer, paid half and the other half was supposed to be paid on receiving the apartment which was supposed to be received end of 2019.
But they postponed it till March 2020, and now the project is way behind and no improvement at all as I'm in phase 2 and they are still building phase one.
What can I do to get my money back?
Sep 26, 2020
672
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