Q: Hi I have a loan with a bank amounting to AED 165,000 but due to redundancy, I lost my job and was not able to pay the installment. When I got the gratuity, the bank deducted the amount of AED 51,000 at once from the total outstanding. Today, almost three months have passed, and now they are threatening me to file a civil case for the remaining amount of AED 112,000. Can you please guide me on what actions they can take? In case of a civil case, how much fine I need to pay? And for the mentioned amount, do I have to face a jail term?

Q: I am looking to return to Dubai on holiday in June 2021. I have recently cleared my outstanding debts with the bank and they have issued paperwork to say the civil case has been lifted. I would like to check that there is no travel ban attached to my passport before returning, just to be sure I will not be arrested.

Q: I have some credit card defaults and I went to prosecution and cleared the bounced cheque with fine payment 2 years back. Now collections agency is mailing to HR, threatening via Whatsapp & phone calls. The bounced cheque amount was 55K. Now the agency is asking nearly 300k. I understand the civil liability but what is the way out of this? Can they file a civil case and make a travel ban?

Q: Dear Lawyers, I have a question regarding the execution of a judgment. I filed a civil case in Dubai against someone who works and resides there, and I received a judgment in my favor. Can I open an execution case in Sharjah based on that judgment, or does it have to be in Dubai only? If I can open it in Sharjah, on what grounds can I do so?

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.

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.

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.