Q: Hi , I left UAE during the financial crisis 2009 because I got laid back by my employer and I could not pay back my bank loan. The bank collection agents contacted me few times but I couldn't reach an agreement with them as I am facing financial difficulties as a single parent for 2 kids currently not working. l want to go back to UAE for a job offer. A friend checked for me with Immigration and Court. They found that there is a judgement in absentia of 6 months under my name and case filed requesting the amount of the loan plus the interest which I can not afford paying a single portion of it. Is there a legal solution to sort this out due to 9 years passed since I left the UAE? So I can get a job offer and support my kids and if my financial situation improves in the future I will try to settle the loan. This 6-month absentia imprisonment was issued 6 months ago.

Q: Last October 2017, my security cheque for my personal loan bounced because I was two months delayed. When I found out that my cheque bounced, I coordinated with the bank, and they advised me that I need to submit a new cheque and new salary transfer certificate to them and they won't file a case. I submitted the required documents and paid some amount as well. Last February 21, 2018, I was planning to go to Georgia for vacation and I was arrested due to a case filed by the bank. I was surprised because I knew that they will not file a case and no one from the bank informed me that I have a case. The case was filed last November 12, 2017, and I even had communication with the bank for loan re-structuring and during that time they didn't even tell me that I have a case. I paid AED 10k fine for the case. I was really disappointed by the bank gesture. Why would I go to Georgia if I know that I have a case? I almost spent 5 days in jail. Please let me know your advice. Thank you very much.

Q: Sir, My friend is in police custody for bank loan instalment delay in Commercial Bank of Dubai. We already paid the amount, then what is the procedure for releasing my friend from police custody? Please advise me.

Q: I have a travel ban set by Dunia Finance LLC, as I had a loan from them and failed to make some instalments. Now, I am in India and I want to clear this issue. Please give me some options to solve this matter. I can follow your instruction to solve this.

Q: I gave a guarantee cheque for one person. He filed a civil lawsuit against me, but I went to his office one year ago and paid the full amount with cash, in his office. I got the receipt from his office that I paid them against that cheque, but they didn't return my cheque because they made an excuse that it's lost and they can't find it and give me the receipt. How can I close this case now?

Q: I have a police case for a bounced cheque last year March 17. It was against a loan which I drew but later I changed my job. I left the UAE and came back, but before I can do something the bank felt insecurity and immediately they submitted my security cheque to the police station and put a case on me. The same day, I paid the fine and came out. Later, I joined a new company and provided the necessary documents and new security cheque. My account was then regularised (After resigning from the previous company my account was frozen) and since then everything is fine. Now, I want to settle my loan in full. I already mobilised funds needed. I want to know asap if I settle the loan in full, how the travel ban or police case will be removed? Will the bank do everything and give me a clearance letter?

Q: I left the UAE in 2016 with unpaid loans and credit cards of around AED 100,000. I'm now in a position where I want to settle these loans so I can come back to Dubai. I'm looking for a firm that can negotiate a settlement plan with the banks on my behalf.

Q: I had a bounced cheque for 600,000. I have now repaid the outstanding amount and I am out of the country. Am I still liable for a fine? Can I return back to Dubai without being harassed?

Q: I am the defendant in a penal case, and the hearing session was scheduled for 16/12/2019 but I was unable to appear at the court because I had health issues. Please advise me on what to do now.

Q: Hi, Since 2018, I have cheque case amount of AED 345000. During my absence, the court has sentenced me for 18 months of jail. Now I'm in India. How can I clear with the use of POA and how long will it take to clear? I have to return back to the UAE asap.

Q: Hi, I have a cheque case in UAE (Amount is AED 345000) since 2018. During my absence, the court has judged 18 months of jail. Now I'm in India, how I can clear it with the use of a POA and what is the time frame as well?

Q: I gave a blank cheque to a loan shark as security. After I paid him everything he said I need to pay AED 1000 more. Now he bounced the cheque and going to file the case for AED 15000. What should I do now?

Q: Hello Is it customary that during the settlement of a personal loan, the bank asks you to sign a blank cheque? I am no longer a UAE resident. The bank filed a civil case and went through direct execution. Now that we are in settlement talk, they want a down payment and ask me to sign a blank cheque in case I default on the settlement agreement. Previously, they made me sign a blank cheque and made me believe it was necessary in order to restructure the loan, but it was not their true intent. The question is should I sign again a blank cheque as part of the settlement agreement?

In the UAE, cheque bounce is a very frequent problem faced by people during their span in the country. It is covered under the purview of Commercial Transactions Law, and legal implications/penalties can be financially severe and daunting for more “serious” offenses. Bounced cheque issues may arise in a variety of commercial transactions, including but not limited to, companies’ exchanges, bank loans, property rents or purchases, and individual transactions.

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 law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.

The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.