Q: Hi, I have taken a loan from the bank worth AED 450000. I lost my job in 2016 and was unable to pay the instalments, then left Dubai. Bank people never contacted me and I left as I was unable to pay the monthly instalments. Now I am in India. I have got another job in Dubai and I am very keen on joining it. I contacted the bank through email asking their help to sort this, they asked me to call the call centre. When I called the call centre no one was able to help me, they just said "we will get back to you", but no reply yet. For 1 month, they are not able to help me. Now, I have to join my new job in Dubai asap, and unable to understand what to do. I am ready to pay half amount now and remaining half in instalments on monthly basis. But I don't know whom to contact and how to get this sorted. PS: I don't have any friend in Dubai who is ready to help me and go and negotiate with the bank on my behalf. I am just trying to call and sort on my own. Please help and guide me.

Q: Dear All, I am wondering what if someone took a loan and left the UAE because of work loss (redundancy matter) for months and got blacklisted. He got a job offer in UAE again and wants to go back and pay all his debt. Will that be possible? Can the ban be lifted? Or what should be done in this case? Thank you

Q: I have a personal loan with a bank amounting to approx. 180000 (Principal) post deduction from my end of service benefits. I was terminated from work on 10 Sept 2018. Right now I am in India. My first EMI got bounced on Feb 2019. Please help me know what is the maximum punishment by the court in such a case. As of now, I am jobless. If I come to Dubai to search for work, will there be a travel ban to exit from the UAE? How can I extend my stay in Dubai as I will enter the UAE on a  visit visa? Can a settlement be through the insurance company as I was terminated by the company? As of now, there's almost no chance to get any work in the UAE. Hence I am bankrupt. What I can do in such a case? Will I be able to work in the UAE and get a work visa if a case is registered?

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.

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.

The UAE travel ban may be imposed on a person on various grounds, for instance, as the result of criminal offences, unpaid loans, breach of immigration laws or family matters. Implications of such a ban can be financially severe and daunting for the affected person. This article aims to give readers a clear understanding of what is the UAE travel ban, what are the grounds and procedures for its imposition and removal, how to check if the person is banned from travelling and other related topics.

An interview-format article covering the topic of loans and bounced cheques in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

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.

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 provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.