Q: Dear Ahmed, Eid Mubarak! I lost my job two years back and I have been on a couple of visit visas without luck! I have a loan which I was able to pay the first few months of being laid off, however, I couldn't afford to until the bank deposited one of the security cheques. I was arrested while exiting the country, and fined where I was handed over my passport. I am back on a visit to look for a job but the bank has threatened to open a civil case, what are my options? Will they take me to jail? Is there a way I can request the court to allow me to pay little instalments until I get a job? Kindly advise

Q: Dear Sir, I was working in Jebel Ali free zone Dubai and I lost my job in 2015 due to company downsizing, and I had a loan from a bank which I was not able to pay off. I tried looking for a job when I was in Dubai during my visa cancellation process but was unsuccessful. I came back to my home country after, but when I came back and I had an accident and now after recovery. I was trying to get a job in the UAE and pay back the bank outstanding but no good luck for me. And now, I got an offer from one company in my home town. I just wanted to know how to handle the above issue after few people visited my home town and said we are from recovery and they are threatening my mother saying they will bring more people to recover the payment. Kindly advise what the UAE law said regarding the above issue. I even sent to the bank regarding paying back the payment if I will get a job in hometown and get salary in Pak. Rs. But till now, no reply from the bank regarding the above request. Please, give your expert opinion.

Q: Greeting! My name is Fazil Hussain, I was working in the UAE for past 5 years, I have a personal loan of 80,000 from ADCB Bank in Dubai. I never missed a single EMI to the bank and had good records. But I lost my job, so had to come back to India. I wanted to go back to Dubai and search for a job but the bank said they have blocked my visa and I cannot get a job there. I replied to the bank by email that if they block my visa then how can I find a job in Dubai and how should I pay my outstanding balance on the personal loan. I can pay my loan only if I get a job in the UAE... Please help me with your advice, I can pay the outstanding only if I work in GCC. I can't afford to pay from India. I want to pay my outstanding and clear it. Can the bank give me NOC to work in Dubai and pay their loan? And I want to know, is it possible if I go to Saudi Arabia and do a job and pay my installments to the bank in the UAE?

Q: I lost my job in six months. I got a new job but with less and delayed salary. I have a bank loan and I didn't pay for it in 6 months and pay only partially if I have money. They deposited my cheque and I paid a penalty to the police station. Now, the bank called me again and informed me that they will register me for a civil case. Please advise, if they pursued the civil case against me, what things should I know and do? Thank you so much.

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.

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 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.

With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.

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.