Questions & Answers
Questions & Answers
9 available 9 • View allLiability for the unpaid loan
31
Q: I was jailed for 4 months for not being able to pay a loan from a Dubai bank since I've lost my job in 2011.
After my release, I tried looking for a job but was unsuccessful, so I went back to my home country when my visa expired but still the bank is sending emails and threatening me and wants to collect money from me.
Now that I am back here in Dubai, they threatened to file a ban against me and told me that I cannot get my visa renewed if I will not pay them.
Can the bank do such THING? I already have accepted the punishment of serving jail time since during that time I didn't have a JOB and was totally broke. What can I do so that they will stop harassing me?
What does the law say if someone had served the sentence for a bouncing check case?
Thanks and hoping to be enlightened.

Jul 25, 2016
45727
Mortgage for non-residents
1
Q: I would like to apply for the mortgage in one of the banks in Dubai to purchase a property. Is this possible without residence visa and if yes, so which documents will be required from my side?

May 31, 2016
1865
Joint mortgage
0
Q: My wife and I are purchasing a property in Dubai which we will own jointly as per our wish.
Our bank -- which provides the 75% financing -- requests that the loan should be in the name of myself and my wife jointly. Is it a regulatory requirement or could I go with a loan in my name only? (as monthly revenues comes from me and I would like to protect my wife)
Also, the bank wants us to have a joint bank account. Is it a regulatory requirement or can we continue to use our existing separate bank accounts, one for me, one for her (both with the same bank)?
Thanks.

Mar 4, 2017
2591
Claiming your passport from the public prosecution after bailing a friend
4
Q: Hi.
I kept my passport as a guarantee for a friend in the public prosecution more than a year back. He left the country without telling me and hasn't come back into the country so far.
In the meantime, verdicts were declared for his cases and he has to go to jail. So, he refuses to come back or settle the case.
I am stuck here with my passport in court. I have tried setting up meetings with the public prosecutor but every time the online application gets rejected, even for a meeting with the public prosecutor.
This has created a big issue for me and my family. Is there anything I can do to get my passport out?

Sep 19, 2017
3349
Liability of family members for the debts of the father
3
Q: If I have left the UAE without clearing my credit cards, can the banks pressurise my adult daughter working & staying in the UAE?

Oct 15, 2018
2177
Liability of the son for unpaid rent by the father
0
Q: A friend works in Dubai. Their father left the country a few years ago with rent in arrears.
They have their own rental property unrelated to the father's property or landlord.
Is my friend still liable for this rent if the landlord contacts them?
What are their options to stop the landlord from contacting them?

Dec 5, 2018
863
إلزام مُدَّعى عليه واحد فقط من مجموعة بسداد المبلغ المستحق

3
س: في دعوى مدني كلي، المطالبة بإلزام المُدَّعَى عليهم، عدد 12 شخصًا، بسداد مبلغ وقدره (.....) (بالتضامن والتكافل).
صدر منطوق الحكم "بإلزام المُدَّعَى عليه بسداد مبلغ وقدره (.....) والفائدة القانونية (......) وأتعاب المحاماة (......)".
السؤال هنا عن إمكانية تحديد المبلغ المترصّد على مُدّعَى عليه واحد فقط؟ وكيف؟


Apr 8, 2021
844
Is the daughter responsible for the bank debts of her father?
0
Q: Hi,
My friend's father is in debt to Dubai banks and is out of the country. My friend is also no longer in Dubai but wishes to come back.
Is there any threat for her to enter Dubai to work or for visit?
Will she be held accountable or liable in any way?
The Dubai banks are also trying to get my friend's hometown local number and messaging her on social media and through contacting her office asking for her personal details to question about her father's debt.
Is this legal and allowed?
My friend is unsure how to get rid of the banks questioning her and wants to know what action she cant take to prevent this as it is not her debt.

Mar 25, 2022
261
إثبات دين بشكل صوري بدون ترتيب تبعات قانونية

1
س: السلام عليكم،
أرغب أنا وقريبي في إثبات دين بشكل صوري أمام العائلة لأسباب عديدة.
ما الشكل القانوني لهذا الإثبات؟ هل هو سند أم ماذا؟
وهل يمكن عمل ورق ضد لينتفي هذا الدين لإثبات صوريته؟
مع العلم أن كلانا يقيم في دولة الإمارات.


Jul 17, 2022
293

Other answers by
20 20 answers •
View allIs deducting half the salary considered a breach of the employment contract? 0
Hi,
I am working with an employer in Dubai since October 1st, 2021. The company is deducting salary in the name of consultancy as I was got hired from India. But there was no such contract between employee&employer for deduction in salaries.
Still, the employer deducted my half the salary for 2 months and I requested to stay at room till the company gets new project also they have taken my educational certificate stating it is the company policy.
I have already emailed the company to pay me a full salary for staying in the room or give me NOC.
1. Can I resign from the company without a notice period as I am in probation period and my contract is limited?
2. What should I do if the company doesn't pay me my salary for the days I am staying in the room?
3. Can this be considered a breach of contract by the employer?
Dec 26, 2021
282
Visa cancelation by an employer while an employee's dues are not settled 0
Hello Sir,
I have worked for a company for 4 years and 4 months on an unlimited contract and resigned after serving a notice period of one month as the employer was not paying me the salary properly for almost a year.
Now, he hasn't settled my EOSB, pending salary but canceled the visa.
How can I claim my dues?
May 17, 2021
395
Can I terminate a property purchase MOU and claim refund due to seller's breach? 0
I signed an MOU for purchasing a property from the seller. It has now been close to two months, with no progress.
The tenant at the seller's property is not allowing time for valuation purposes. And now the seller is saying it's not his problem and is not willing to pay the 10% agreed as per the MOU.
There's a specific clause in the MOU as below:
"In the event that the 'seller' fails to complete the transfer on the agreed date due to his own act or omissions, then the full deposit will be refunded to the buyer, and also the 'seller' agrees to pay the same deposit amount to the buyer as a compensation for the loss of the said property unless they agreed amicably to different terms or dates."
May 4, 2021
3508
Is the wife liable for the unpaid loan of her husband? 0
Am I responsible for the unpaid debts of my husband?
My husband took a loan in Dubai. We were paying installments on time but later on, he lost his job and we had to move back to our home country.
Now he can’t go back to the UAE until he settles his debts. My company wants me to go to Dubai for some official work but I am not sure if I am able to travel freely or I am also banned to travel.
Please, can someone help me with this?
Apr 25, 2021
1670
How to check if the bank filed a case against me before leaving the UAE? 0
I lost my job and since then, I haven't been successful to get hired in the UAE. Fortunately, I got a job back home, starting date at beginning of May.
I have a bank loan with a bank that I couldn't close in full before leaving the UAE. My end of service would be used as a partial payment of the loan but the remaining balance will be over 200K.
I aim to reach a new agreement with the bank, having a lower monthly instalment and longer loan period, being paid from my home country.
I need an advice how to proceed on this matter in order to be able to leave the UAE at the end of April without being stopped at the border and reach an agreement with the bank from outside the UAE to pay the loan from my home country.
The answer time from the bank is very slow.
Thank you
Apr 20, 2021
1388

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
453
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
266
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
868
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
492
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
512
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