Q: Hi Mr Hari I have had a cheque bounce with one of the banks in Dubai which was an inbuilt cheque in credit card application. They had submitted a police case against me in April 2018. I was taken at Al Ragga police station. asked to pay AED 2000 fine. I was presented in front of the public prosecutor. I accepted that I am unable to pay the credit card amount and the bank did not tell me that they are submitting the cheque. I paid the fine on-spot and the passport was given to me. I also got my Police Clearance Certificate. Now to my surprise, after all this pain and harassment, the credit card fellow and so-called collecting agent are threatening to do a civil case. They are saying we will cancel all the extra interest charged on the card amount. Just clear the basic card value. I told them I was paying minimum payments earlier as well. But the bank did such a wrong thing by declaring me absconding. I have given 4 good years to this country. Please advise. If I do not take their calls and threats, what will be the worst case scenario?

Q: I had AED 120,000 personal loan + 20,000 interest out of which I paid AED 100,000 till last May 2020. I was out of UAE due to transplant surgery and was unable to go back due to the Covid situation, meanwhile, in July 2020, the bank deposited my security cheque of AED 120,000 & it bounced. For the past 1.5 years, I am without a job or income. I am trying to reach a settlement with the bank to clear the cheque bounce case. My questions are: 1) If the bank agrees to a settlement and, after payment, withdraws the cheque bounce case, should I still pay the police fine? 2) While entering the UAE, will I have any problem after settlement? 3) What are all documents that I should request from the bank before & after settlement? 4) I have AED 40,000 outstanding on a personal loan, requesting the bank for a one-time settlement of AED 20,000. Can any law firm help/assist me with that?

The law promulgates UAE Criminal Procedural Law (Penal Procedures Law) which governs criminal procedures in the UAE. This law applies to the procedures relating to offences whose punishments are not specified, dogma and punitive offences, and blood money, if they do not violate the Sharia rules.