Questions & Answers
Questions & Answers
9 available 9 • View allSettlement of bank liabilities and ensuring clearance
3
Q: I defaulted on a personal loan due to loss of job in 2016. Then via my friend and transfer of POA filed case for settlement. I paid money to a friend for settlement.
Wanted to understand if I settle my case through court does the bank give a clearance letter?
My friend has submitted me an immigration clearance letter and also PCC.
Should I consider my self clear from all legal liabilities on the basis of immigration clearance and PCC?
Can the bank re-apply for the case against me in future? How can I close my bank account?
Are the immigration ban and travel ban the same?
What should I do to re-assure that everything is legally right?

Apr 18, 2019
3415
Getting clearance from the bank after settlement of a loan
14
Q: Hi Miss Gatina,
I was hoping you could answer a quick question for me.
If I have an open legal case raised against me by a bank for unpaid liability, then the liability is paid off, are they obliged to close that legal case and/or issue a NOC?
The reason I ask is that my bank won't close it as I have another outstanding liability and in negotiations to settle, they can only open a civil case for that one, not a legal one.
So my question is, are they allowed legally to keep a case open for a liability that's been paid off? Can they be forced to close it?
Thanks
Debs

Feb 17, 2019
23904
Leaving the country with outstanding dues and making settlement with bank


4
Q: I left Dubai in 2009 after being made redundant and unfortunately had outstanding liabilities (credit card) for around AED 218,000.
After being unable to successfully find a new job, I had to return to the UK (home country). I want to find out the current status of any travel ban or a police case against my name.
Likewise, I want to reach an amicable arrangement to carry on repaying these obligations. Unfortunately, my old passport and residency visa from my time in Dubai was lost in 2012.
I likewise, retain no credit card information from my accounts at the banks.
Please, can anyone advise on the correct steps forward?
Thank you kindly.



May 2, 2019
1256
How to make sure the case is cleared after settling the debt with the bank

2
Q: I am looking to return to Dubai on holiday in June 2021. I have recently cleared my outstanding debts with the bank and they have issued paperwork to say the civil case has been lifted.
I would like to check that there is no travel ban attached to my passport before returning, just to be sure I will not be arrested.


Apr 4, 2021
422
إصدار براءة ذمة بعد سداد القرض

1
س: حصلت على قرض وكانت زوجتي ضامنًا. تأخرت في سداد قسط فرفعوا قضية وقمت بسداد المبلغ كاملاً قبل ميعاده بسنة ونصف وكنت أتوقع انتهاء القضيه بعد السداد.
اختصارًا للوقت، تم تحديد جلسه يوم ٤/١٠/٢٠٢١ والبنك طلب مبلغ مالي لإصدار المخالفات وقمت بدفع المبلغ فأعطوني مهلة لإصدارها ولم يحدث.
ماذا أفعل؟


Oct 3, 2021
804
Issuing a travel ban while installments are paid on time from abroad



3
Q: Hello,
I need urgent advice.
I left the UAE 2 years ago with an outstanding amount of a personal loan. The collection department called me the first month after that to discuss my situation and I continued to pay my monthly installments with a bank transfer without any unpaid till now.
Is there any possibility that the bank has taken any legal action against me despite the information mentioned above?
Is there a travel ban since I plan to travel soon to the UAE?
Thanks in advance!




Aug 30, 2022
571
A bank refuses to provide clearance certificate due to unpaid hidden charges


2
Q: Hi,
I had a debt with a bank. The last year 2022, I completed all the payments, and my bank account statement shows zero.
Finally, I approached both the bank and the collection department for the clearance paper, but I was told I still owe them money (for late payment, SMS fees, maintenance fees, etc.) which seems to be hidden charges of about 10,000 AED which is not reflected in my bank statement.
This is not fair. Kindly provide me a solution on how to get the clearance paper without paying this amount.



Sep 16, 2022
306
I had a case and the bank gave me a no-liability certificate after settlement. How to clear the case?

0
Q: I had a court case in 2019. I paid 52500 dhs to the bank after settlement.
The bank gave me a no-liability certificate but is very slow in withdrawing the case to get clearance from the court and submit it to the police station.
I need to go to Abu Dhabi as soon as possible.
Can I apply for a visit visa while the case is still in the judiciary system?
Will it get approved?
How long normally takes if I wait for the bank to clear the case?
Is this not the bank's responsibility to give me clearance from both the court and the police station?


Apr 28, 2023
191
How can I make sure I can enter the UAE if I paid my entire pending loan after leaving?



0
Q: Hi
I was in the UAE in 2019 and there was a 25k loan balance. For one and a half years, I did not pay the loan and moved to Qatar.
In 2023, I paid the amount in a single shot and the bank sent me an email regarding payment.
I'm coming to Dubai on a tourist visa. If the bank filed a case, will I face any problems at the airport?
I don’t know if the bank filed a case. I have all the documents regarding loan closures. Is there any problem with coming to the UAE on a tourist visa?




Apr 30, 2024
149
Legal blog
1 available 1 • View allThe 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
18899
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
47912
Federal 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
148385

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