Q: I have a property mortgage loan that I have paid for its instalments over more than 3 years without any failure. However, due to my financial situation, I will not be able to pay any more, because my income turned to zero. I need to know the legal actions they can take against me.

Q: What happens if I failed to pay 3 instalments from my personal loan from the bank?

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?

Q: Hi, I have an off-plan property with a developer which is 80% constructed. I am struggling with the payment of the next installment and they have demanded payment within 30 days from their legal team. Can you advise me of my options? They have threatened to de-register the unit if payment is not made.

Q: I have a jointly owned property in Abu Dhabi. The mortgage was defaulted on as I had to leave the property with my children following an assault by my ex-husband. He left the country in 2018 and never paid the mortgage. As I was in the country, the bank filed a criminal case against me, and I was sentenced to 3 years. I won the appeal against the bank and then filed another criminal case a few months later in Dubai. Again, I won and paid a fine. In 2019, the bank started a civil case against me and my ex-husband to have the property repossessed. However, at the time of the purchase of the property, there were no Title Deeds, the bank requires this. I cannot give them the Title Deeds to sell the property and pay back the amount owed to them as my ex-husband refuses to provide a POA. The bank has filed another criminal case against me only for our jointly owned property. I wish to resolve this and pay off the bank and receive any money left from the sale. How can I resolve this issue of the Title Deeds?

Q: Dear Sir/Madam, I have a loan secured against my property and the bank wants to take the property, which is almost the same value as the loan. However, the bank has initiated legal proceedings in Dubai Courts to obtain a judgment. Should I contest the case if the value of the property can cover the bank loan? Do you know how much the court fees typically are?

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.

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.

This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.