Q: Dear Sir, I had taken a personal loan from a bank of AED 173,000 in 2016 and was paying on time until I lost my job in 2018. The total I paid back is AED 173,875.64, and balance to pay is AED 42,986.90 Currently, I don't have a job and after three months of pending instalment since July 2019, the bank collection agent started calling and saying they will bounce the security cheque. On 8th Oct they had deposited the cheque and bounced and later I saw in internet banking that the cheque number deposited was different from the one which I had signed during the application process. As I have the copy of cheque with me, I talked to the agent after that and they insisted that it was the cheque that I signed and they aren't giving me more clarification on that. Kindly advise, what if they go for a case of the deposited cheque with a different serial number?

Q: Hi, I am not a resident of the United Arab Emirates and there was an unpleasant situation with me. My business partner issued a check on my behalf and forged my signature. The amount of the check is 3 million dirhams. I got an international arrest warrant. Now I can’t come to the UAE for objective reasons. I need your consultation. How can I prove my innocence?

Q: Hello Madam, I have been falsely accused by a company who has filed a complaint against me for a cheque I haven't signed. I am not able to travel because of this. How do I resolve this? Please advise.

Q: Back in 2017, I opened a bank account. Somehow the person I previously worked with got his hands on one of my cheques and used it to pay for rent where he lived. I had no idea. I went back to my country around 2019. I never signed the cheque he forged my signature and I had no name in the Ejari or tenancy contract. Still, the Dubai Land Department accepted the case. I came back to the UAE on a visit visa just a month ago in 2022 October. They stopped me at the airport and said I have an RDC case registered. The case was closed 2 times since then but every year they activate it and the total amount I have to pay is 23,300. Can you please advise me on what I should do? I also put in an e-request on the RDC site to close the case permanently but the judge refused it. Please advise me on what I should do and if this means I have a travel ban.

Q: Dear Sir/Madam, The bank processed a credit card under my ID without verifying my salary certificate from my employer. Some of their employees forged the certificate, promising me a loan. They listed my salary as 18,500 AED per month, and the bank issued the credit card without confirming with my employer. Can my company sue the bank for not verifying the salary certificate before issuing the credit card in my name? My company never issued or stamped my salary certificate, and I didn't give it to the bank; it is 100% forged.

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.

There are always conditions where people may fail to provide sufficient documents of a certain business or project they are willing to engage in, so they tend to commit an act of forgery with their documents to meet the requirements. But this act is a crime and it has consequences in law which we will try to cover in this article.

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 Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.

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.

The provisions of this law On Evidence in Civil and Commercial Transactions (Law of Evidence) govern evidence in civil and commercial disputes in the UAE.