Questions & Answers
Questions & Answers
3 available 3 • View allBank settlement of credit card to avoid legal action
0
Q: I had a credit card balance of AED 71000 to a bank in the UAE. I asked and was given a settlement offer of AED 60000 (credit limit of card) for 12 months payment period which I started paying last Nov. 2018.
On February 2019, our salary came late and I paid the bank on the 26 of February instead of 18 Feb due date. I was in communication with one of collection officer of the bank during that delay period.
I made the payment on time in March and April of 2019. I was called by another collection officer on 5 May 2019 asking me for payment due on my card because according to her, my settlement offer had been cancelled.
I had asked the bank for reconsideration because I had only a few months left to complete the payment. I'm waiting for response up to now. What are my options if the bank rejected my request?

May 11, 2019
639
The best strategy to settle a loan and remove defaulter's name from the blacklist



3
Q: Hello all respected lawyers,
I left the UAE because of job loss in 2009 and, at that time, I had an unpaid loan of around AED 200,000 from a bank. It must have reached millions now after years of interest.
I started my life afresh and after 10 years, I got little stability in life. Now I am in a position to pay around AED 100,000. With your experience, do you think that the bank will be able to accept this as a final settlement and clear my name from the blacklist?
Your suggestion is highly appreciated and if you think this amount will be acceptable, then I would like to do it through a lawyer.
Thanks in advance!




Feb 9, 2020
2723
Checking for a travel ban and settling a loan with a bank




2
Q: I defaulted on a loan plus credit cards.
I have left UAE almost a year ago and stopped paying my loan and credit cards. The security check I have issued was AED 350,000 but the outstanding loan amount was only 181,000. Now I got a job offer and I am trying to discuss with the bank the settlement plan.
The bank advised me that the total outstanding including two credit cards is 240,000. They are not cooperative and do not respond on time. If I sign the employment contract and travel to the UAE, what are my chances?
1. Will it be possible to be jailed? Denied a work permit or employment visa?
2. Will it be possible for me to negotiate an installment plan with the bank or pay fine and get released?
Please advise!
Thanks





+2
Mar 31, 2020
2990
Legal blog
1 available 1 • View allThe Consequences of Job Loss and Defaulting on Financial Liabilities 26
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.
Feb 12, 2019
18877
Laws & Regulations
3 available 3 • View allFederal Law No. (3) of 1987 Promulgating the Penal Code 29
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.
Dec 8, 1987
47893
Federal Law No. (11) of 1992 Concerning Issuance of the Civil Procedures Code 42
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.
Feb 24, 1992
75273
Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
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.
Dec 15, 1985
148340

Other answers by
30 30 answers •
View allSalary delay as a reason for filing a labor case and joining a new employer 0
Hi,
I am employed in Abu Dhabi. My employer owes me 2.5 months of salary as he didn't pay me on time. I have a job offer from another employer wherein I have to join immediately.
They will apply for my new visa. If I request to cancel my current visa and get a new visa from the new employer, can I still sue my previous employer after 1 or 2 months?
Could you please tell me my options in this?
I have to obtain a new visa from the employer and some international travel requirements are there in my employment.
Jul 27, 2021
419
Request to extend rent for a few days and landlord's right to charge me for that 0
Hello,
I had provided 90 days' notice of tenancy cancellation to my landlord and he acknowledged the same.
As per this, I am supposed to vacate the villa on 20 July. I now need to extend my stay for 4 additional days (21 - 24th July), due to unforeseen circumstances.
What is the rule in this regard? Can a tenant request for the same and is the landlord obliged to agree?
Or can he charge me for the 4 extra days on a pro-rata basis?
For your info, I have been a tenant at this villa for 8 years.
Thank you for your assistance.
R. A.
Jul 15, 2021
692
Is the tenant obliged to extend tenancy for one month to meet the notice requirement? 0
In my tenancy contract I have this clause:
"If the tenant intends to vacate or renew the tenancy on the expiry date, he/she agrees to give the landlord at least ninety (90) days written notice.
a) Renewal should be signed and the rental cheque has to be paid 1 month before expiry, otherwise, the landlord has the right to find a new tenant."
I gave the landlord notice 60 days prior to the expiry date. Now he is asking for a penalty of one month from me or extending the contract for 1 month with an additional one-month payment.
However, in the clause, I don't see any reference to such a penalty. The only written sub-clause is that renewal should be signed one month before expiry, otherwise, he can find another tenant.
I want to leave the last day of the contract, therefore I don't have any issue with him finding another tenant afterwards.
Based on the above, is he eligible to get a penalty?
Kind Regards,
D. D.
Jul 15, 2021
611
Can the landlord disconnect property utilities in case of defaulting on rent? 0
My contract is expiring at the end of this month. The Lessor of the property management has notified me to pay the pending amount of my rental dues by the 15th of July. Failing in which they will disconnect my utilities.
I have delayed my payments but I have somehow covered my monthly rentals. I am still due to pay some amount to them. Previously when this situation occurred, they have disconnected my utilities.
Can anyone suggest to me whether this is legal to disconnect utilities?
Jul 15, 2021
3274
A judgement of jail and fine in Ajman court and possibility to remove the jail sentence 0
I have a police case in Ajman court. The judgment is AED 1100 fine and 1-month jail.
I paid the fine but I did not go to court and surrender to 1-month jail.
Now my visit visa is expired and I cannot extend it. I want to go to my country.
Any options that I have without going to jail for 1 month?
Jul 15, 2021
1164
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