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القبض على شخص بسبب دعوى شيك مرتجع للبنك بعد التسوية

في أكتوبر 2017، ارتجع شيك التأمين الخاص بقرضي الشخصي من البنك حيث تأخرت في الدفع لشهرين.

وعندما اكتشفت ذلك، تواصلت مع البنك، ونصحوني بتقديم شيك جديد وشهادة تحويل راتب جديدة لهم ووعدوني بأنهم لن يقوموا برفع دعوى ضدي.

قمت بتقديم المستندات المطلوبة وسددت المبلغ المستحق. لكن في 21 فبراير 2018، وعندما كنت ذاهب إلى جورجيا لقضاء الإجازة هناك، تم القبض عليّ بسبب دعوى رفعها البنك.

تفاجأت كثيرًا لأنني لم أكن أعرف أنهم سيرفعون دعوى ولأن البنك لم يعلمني بذلك.

بعد ذلك، علمت أن الدعوى قد رفعت في 12 نوفمبر 2017، وهذا هو الوقت الذي تواصلت فيه مع البنك لإعادة جدولة القرض ولم يخبرونني بأنهم قد رفعوا تلك الدعوى.

تم تغريمي مبلغ 10 آلاف درهم، وشعرت بالحنق بسبب موقف البنك. لم أذهب إلى جورجيا إذا كنت أعلم أن هناك دعوى ضدي؟ لقد قضيت حوالي 5 أيام في الحبس.

أحتاج لنصيحتك.

شكرًا جزيلًا.

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Elnaggar & Partners
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8 Mar 2018, 15:53

Dear Questioner,

Basically, the problem is that you have not been properly advised by the bank during the October 2017 incident.

They did not inform you about the filing of the criminal complaint and you did not check if they did. That is a great mistake.

The process of withdrawing the complaint is as simple as issuing a letter to withdraw the complaint addressed to the Police Department in the Arabic language.

You should go with the letter personally or be represented by a Lawyer to submit it, update your records and issue a letter from the Police Department confirming that the travel ban has been lifted.

You may raise a complaint to the bank, but it will not help you. It is basically your obligation to ensure you never bounced a cheque.

Even after rescheduling the loan and fixing your position, it is your obligation to inform the bank's legal department and follow up with them to issue your clearance letter.

Let me know if you would like further clarification and what kind of assistance you may require us to help you with.

Best regards,

Ahmed Elnaggar

18 Mar 2018, 13:48

Thank you very much for the answers.

Is it possible that they can file again a case for the second time for the same loan since they asked for another cheque from me.

18 Mar 2018, 14:50

Yes of course. Each cheque and each incident of non-payment of the loan and dishonoring a cheque is separate.

You better make sure you never dishonor a check.

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