Questions & Answers
Questions & Answers
5 available 5 • View allGetting clearance from the bank after settlement of debt
11
Q: Hello there,
I left the UAE in 2015 and I had a loan and credit cards paid one by one and left now with the last credit card with a bank. I was paying minimum account until Feb 2020.
Then COVID-19 hit and I was not able to pay. I contacted bank but no response from their end for settlement.
Now suddenly an agency started dealing with me and asking me to pay around AED 12000 which is very difficult. Please advise.
I paid one bank and got clearance, paid another bank but they are not giving out a clearance letter still after much follow up. What can be done?

Aug 11, 2020
3951
Settlement of bank liabilities and ensuring clearance
3
Q: I defaulted on a personal loan due to loss of job in 2016. Then via my friend and transfer of POA filed case for settlement. I paid money to a friend for settlement.
Wanted to understand if I settle my case through court does the bank give a clearance letter?
My friend has submitted me an immigration clearance letter and also PCC.
Should I consider my self clear from all legal liabilities on the basis of immigration clearance and PCC?
Can the bank re-apply for the case against me in future? How can I close my bank account?
Are the immigration ban and travel ban the same?
What should I do to re-assure that everything is legally right?

Apr 18, 2019
3420
Settlement of a bank loan and lifting travel ban and cases
8
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?

Apr 19, 2018
8612
How to remove a travel ban based on a civil case in Sharjah?
0
Q: Removal of a travel ban for a civil case in Sharjah.
I can't renew a visa, can't change my immigration status and can't get new employment.

Jun 9, 2021
1494
Is it necessary to get the letter of clearance from a bank notarized as a proof for the future?


1
Q: I am a UK-based citizen aiming to negotiate a settlement on a UAE liability with a large bank.
Am I correct in assuming the letter of clearance from the bank once the debt is paid will need to be attested by a UAE notary to stand up to scrutiny from authorities if I am ever detained in the future due to a police case related to this matter?



Jun 24, 2022
368
Legal blog
3 available 3 • View allUAE Travel Ban: What You Need to Know 164
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.
May 6, 2024
136156
Failing to Honour Bounced Cheques in Loans and Other Transactions 8
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.
Jan 15, 2020
7051
Online POA and Other Notary Public Services in the UAE 28
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.
Jun 8, 2021
19202
Laws & Regulations
2 available 2 • 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
47924
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
148442

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
433
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
711
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
629
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
3292
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
1180

Other answers by
95 95 answers •
View allHow can I file for divorce in the UAE as an Indian Christian with a son, and ensure custody? 0
Hi, good morning,
I’m an Indian residing in the UAE and want to apply for a divorce. My husband and I have been living separately for more than 3 years, and he has been living in India since our separation.
We are both Indians and Christians (non-Muslims). We have a son who is 8 years old now. Can you please let me know the divorce procedure if we want to proceed in the UAE, both with and without mutual consent?
Additionally, please advise on how to proceed with custody, as my son currently resides with me.
Thank you!
Aug 28, 2024
150
How to transfer the shares of a company from his heirs to the partners? 0
A company is registered in a free zone (Dubai South) and had 4 shareholders.
But now one of them passed away and the successor is a very old lady, who is not cooperative and will not be able to sign any document at all (and she lives in another country).
We have no idea who will be a successor after this old lady and these people will in fact never be interested to do anything with this company.
The company is financed and managed by only one shareholder, who is willing to continue.
What can be done in this scenario to keep this company and continue operations?
How to transfer the shares of the deceased shareholder (buyout, shares transfer)?
Is there any court procedure where if no one claims their rights after some time, the shares will automatically be transferred to the company itself or the third parties?
Thank you.
A.
May 15, 2023
114
My flatmate took a video of my visitor in the toilet half naked without permission 0
My flatmate took a video of my visitor in the toilet half-naked without permission and shared it with another person, and accusing me of taking another nationality which is untrue.
What will be the cases to file a case?
May 12, 2023
235
Retrieving a passport from a car impounded for driving without a license 0
Hi sir,
I drive a car in Ajman without a license. On a visit visa those days, Ajman police caught me and I forgot my passport and other belongings in the car.
They impounded the car, so how can I get my passport back from the car?
My case is finished.
How do I get my passport back so I can apply for a visa and then a job?
Please suggest me.
Thanks!
May 2, 2023
129
What is the time limit to execute a judgment? 0
Dear Sir/Madam,
Time limit to execute a judgment.
I won a court case about 5 years ago. I still did not register an execution lawsuit.
What is the maximum permitted time limit between the verdict and registration of the related execution lawsuit?
Apr 27, 2023
785
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