Questions & Answers
Questions & Answers
8 available 8 • View allWhat is the effect of a civil case by the bank on applying for new visa?
6
Q: Dear Sir/Madam,
Due to the pandemic, I lost my job in 2020 and was not able to pay 3 months of my loan, since I need to prioritize my roof and food for whatever money I have.
I was a good payer for almost 3 years. I have 18 months left to pay. Unfortunately, they filed a criminal case against me last Sept 2020.
I settled and paid the fine at the police station. However, until now they keep on calling and threatening me, this time of the civil case.
What is the effect of the civil case in applying for an employment visa? According to them, my outstanding balance ballooned again to 33500.
If I don't have the means to pay it, what will happen to me?
Please advise.
Thank you in advance.

Apr 7, 2021
4174
How can I negotiate with the bank regarding credit card if I lost my job?

2
Q: Hi,
Please advise the below issue with the bank.
I lost my job last 2018, and due to this, I'm not able to pay my monthly dues to the bank. I visited the bank to discuss that I have insurance for my credit card.
But the bank denied that insurance and said to me that I should apply for that insurance after my company finishes my work contract. It takes me 3 months before I visit the bank to apply for the insurance.
The bank sued me in a civil case. I paid the amount to the police. But the bank still forces me to pay the pending amount. I manage to pay per month since Sept 2019 and until Dec 2022.
Again I lost my work last Dec 2022. I'm not able to pay now the monthly dues that the bank required.
Kindly help and advise, please.


Mar 27, 2023
146
I lost my job and could not pay my credit card but now found a new job. Can I apply for new visa?

1
Q: I lost my job a year and a half ago and now I got a job but I am not able to pay my credit card dues for the last 3 months.
Does this affect changing my visa or not?
Recently, they sent me a legal notice from a lawyer's office.
I have 4 cards of 20k, 16k, 11k, and 39k from three different banks.


Apr 24, 2023
122
How to make the bank allow me to enter the UAE without paying the full loan?


2
Q: Dear All,
Please advise me on this issue. Your help and guidance will be appreciated!
I am writing to discuss the repayment of the loan amount that I owe. I was asked to pay an amount of AED 15,000.
Unfortunately, my current financial situation does not allow me to pay this amount as I am going through a hardship. However, I am determined to fulfill my financial obligations as soon as I start working.
I can currently afford to pay an amount of AED 1,000, which is the maximum amount I can allocate towards the repayment for now.
As soon as I enter the UAE, I will be in a more stable financial position and I can begin repaying the loan on a monthly basis.
My question is: how can I make the bank agree with my request and allow me to enter the UAE without any hassle?
Thank you for your time and consideration!



Jul 31, 2023
126
Can I change my employment visa when I have an active criminal police case?


4
Q: Hello,
Can I change my employment visa when I have an active criminal police case?
Note that it hasn't been sent for prosecution, and in the police report app, it only shows a police case as active, but there's no prosecution number.
It has been active for more than a month, and I am currently in the process of changing my job.



Nov 21, 2023
624
Will my outstanding loan affect my ability to get a work visa if I return on a visit visa?




3
Q: Dear Lawyers,
I have a bank loan, and I left Dubai in 2018. Now my company is asking me to come on a visit visa, and then they will change my visit visa into a work visa.
However I am scared that my outstanding loan will affect my visa application, and I will not be able to change my visa.
Please answer!





+2
Aug 10, 2024
751
Will a payment to the court, not received by the bank, affect my new employment visa?




1
Q: Dear Lawyers,
I had a cheque execution case for a credit card and have already paid the amount to the court. However, the bank has not yet received the payment from the court.
I am now changing my job and need to apply for a new employment visa.
Will there be any issues in issuing the new visa?





+1
Dec 30, 2024
98
Can my work visa be canceled if I have ongoing loan and credit card payments?




1
Q: Hello,
I am switching jobs soon.
Can my current work visa be canceled if I still have a personal loan and credit cards that I am making payments on?





+3
Feb 24, 2025
202
Legal blog
5 available 5 • 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
18906
Is 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
2259
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
540
Employment Issues and Laws During COVID-19 0
An interview-format article covering the topic of employment issues and laws during COVID-19 in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.
Mar 8, 2021
406
An Overview of the New UAE Labor Law and Recent Amendments of 2024 233
The UAE has adopted a major reform in its legislative system that brought about 40 new laws and amendments to the company law, criminal law, personal status, among others. The amendments aim to develop the legislative structure in various sectors, the labor law being one of these, was the most recent. We try in this article to shed light on the changes introduced with the new labor law and their significance on both, the employer and employee.
Sep 10, 2024
90876
Laws & Regulations
4 available 4 • View allFederal Law No. (8) of 1980 Concerning the Regulation of Labor Relations 53
The provisions of this Law, known as "UAE Labour Law", govern the relationship between employers and employees and other labour matters in the United Arab Emirates. There are special labour related regulations applicable in some of the free zones in the UAE.
Apr 20, 1980
103650
Federal 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
47923
Ministerial Decree No. (766) of 2015 On Rules and Conditions for Granting a Permit to a Worker for Employment by a New Employer 3
By this Decree Ministry of Labour of the UAE has removed the six-month labour ban for those who changed the job before completing two years of service. Labour ban will be still applicable for workers that qualify for skill level 4 and 5 under various circumstances.
Sep 27, 2015
5611
Federal Decree-Law No. (33) of 2021 On the Regulation of Labor Relations 34
The provisions of this Decree-Law, known as "New UAE Labor Law", govern labour relations in the private sector of the United Arab Emirates. The New Labor Law repeals the previous UAE Labor Law (Federal Law No. (8) of 1980).
Sep 20, 2021
26538

Other answers by
46 46 answers •
View allWhat to do in case of issuing cheques to a friend for rent and is not paying the amount? 0
Hi Ms. Jennifer,
My friend in Dubai opened her dance studio in Karama & requested me to give her 4 cheques in my name as they had some issues opening an account.
She assured me that every alternative month before the due date of the cheque she would deposit the said amount in my account. The 1st cheque was on 10 Nov 2022, for which she put the amount in my account.
On 10 Jan 2023 was the 2nd cheque & this time she did not put the money in my account, I borrowed money from my known sources to avoid the cheque bounce case.
It has been 13 days now & she has still not deposited my money in the account. How can I get out of this situation?
I want to take back my 2 pending cheques from the landlord as the class does not belong to me, I just helped on humanitarian grounds & this is what I got in return.
I have been messaging her pleading with her to deposit the money in my account but she has been giving me excuses.
Please guide & help me.
Jan 23, 2023
471
Starting a new business after closing the old one 0
Dear sir/madam,
I am planning to start a new business in the UAE. I left my old office and planning to go for the registration of a new license.
Is there any legal issue to start a business? And can I approach my existing clients for the new business?
Apr 18, 2022
281
Refusing to return the remaining rental cheques despite providing a proper notice 0
Dear sir/madam,
Can a landlord refuse to return the remaining rental cheques if the tenancy agreement has been terminated earlier with proper notice in place?
I am vacating a quarter earlier, but the landlord refuses to return the 4th quarter cheque until I vacate the premises and he makes post-inspection despite having a separate security deposit amount in place.
Feb 14, 2022
882
Is it possible to settle credit card debts after losing job and leaving the UAE? 0
Hi,
I was laid off in June 2020 during COVID19 and had credit cards in several banks. I had to leave the country but was still paying the banks up until September 2021.
So I was getting calls from the bank, and the last one was maybe in December 2021. A new law came into effect this January, so the cheque bounce was decriminalized but the civil case is still there and a new option of some kind of execution is also there now.
I don't know if I got any cheque bounce, do I get a notification on my email or SMS on my mobile? (My mobile is still active and I am outside of Dubai since then).
Also, want to ask- under the new rule does the execution smth can lead to imprisonment and/or a travel ban? And if yes then for how long?
Will I be able to come to Dubai and find a job if the execution case is there?
Thank you
Feb 7, 2022
505
Vacating an apartment by the landlord upon tenant's refusal of the new contract 0
Hi,
I have a query regarding a contract renewal. I have given notice by the notary public to my tenant to vacate my apartment.
He is not agreeing on terms and conditions and is asking to have the same terms and conditions as the previous year's contract, for which I said that I will not sign the contract which contains renewal terms and conditions.
(I told him 90 days before the current contract expiry date that I am not willing to renew and I will give the notice to vacate).
So if I do not sign the contract and it gets renewed automatically, can my tenant challenge the notice by a notary public at the time of vacating the apartment?
Thank you!
Jan 24, 2022
517
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