Questions & Answers
Questions & Answers
8 available 8 • View allCriminal and civil cases for defaulting on a bank loan
28
Q: Hi.
I would like to ask a question.
I had a bank loan in 2013, and due to crises, I lost my job in 2015 and couldn't continue my loan instalments.
But now, I got a job in Dubai, and before coming to Dubai I spoke to the bank from my home country to remove police case and allow me to come to Dubai. The outstanding amount was AED 68K.
The bank gave me a release letter with the help of Central Bank on the condition that I will continue my loan instalments, but my salary is not that big to be able to continue.
So now the bank is telling me they will make a travel ban and civil case against me.
My question is if bank files a case and I pay a fine in court against the cheque bounce, will the central bank or local bank still make another case or travel ban?
Please help me and give your advice.
Thank you

May 2, 2018
31892
Travel ban removal for defaulting on loan instalments
4
Q: I have a travel ban set by Dunia Finance LLC, as I had a loan from them and failed to make some instalments.
Now, I am in India and I want to clear this issue. Please give me some options to solve this matter. I can follow your instruction to solve this.

Mar 15, 2018
11771
Penalty for a bounced cheque after defaulting on loan instalments 
6
Q: Hi Sir,
Please, I need your help.
I had a loan from FGB bank. I almost paid instalments for three years. Now, I am not in that condition to pay. There are 3 instalments due and I am getting calls from the collection and they are about to file a case.
Could you please help me to know the penalty I may get, as my outstanding amount is just AED 24K?
I have an Abu Dhabi visa, and they threatened to file a case in Sharjah.

Dec 11, 2017
12315
Clearing a bounced cheque for a loan after paying the fine
0
Q: Good day!
Please reply ASAP.
Actually, I have cheque bounce case recently up to AED 51000 from Duniya Finance but I’m out of the UAE for 1 year due to my family mishap. Now, I want to visit the UAE again to search for a job!
What is the procedure now? Will they arrest me or I have to pay a fine? If I pay the fine, will I be free of the claimed amount or I have to pay the amount to the bank after paying the fine?

Aug 22, 2018
2389
Civil case by the bank after paying the fine in a criminal case

16
Q: Dear Sir/Madam
Can a bank file a civil case after filing a criminal case?
The criminal case has been lifted by paying fine at the police station.
How long does it take for the bank to file a civil case after this?
Am I still liable to pay to the bank after I have cleared my criminal case by paying the said fine?


Nov 15, 2018
13794
Settlement of a loan to avoid criminal and civil actions 

1
Q: Hi.
I got a loan of 30,000 from a finance company. I was paying my monthly EMI. After that, I lost my job and I wasn't able to pay.
Then I got another job. My employer applied for a visa but my name got a match with a guy who is blacklisted in the UAE.
After many attempts, I got the visa but I did not get my Emirates ID. Due to expired ID, my sim got blocked and I was not in contact with the finance company.
Even to date, I don't have an ID. Before a few months, the finance company put a case on me and I was unaware about that and I have no idea that there is running a case on me.
In my absence, the court gave a judgement of 5 months in prison. I'm still in the UAE. A few days ago, I was travelling from Sharjah to Oman and they arrested me at Sharjah airport.
I am on bail now. My next date in court will be in next week. I want to know is there any solution to avoid prison or convert prison to fine?


Jun 18, 2019
1275
Does paying the fine of a bounced cheque clear the case?
0
Q: Hi all,
I have the following case.
Criminal Misdemeanor - Cheque Bounce. Police Station: Bur Dubai - Jafiliya. Cheque amount: 110,000.
I was told I can clear this by paying the court AED 10k. Can someone guide me on doing this on my own?
The judgement is not passed. I'm in India currently.
Please suggest.

Aug 31, 2020
1179
A fine is paid for a bounced cheque case. Is it over?
2
Q: Hi sir,
I have a bounced cheque case in Alain. I was in Jail for 2 days and I paid 1000 fine. After that, the police said that they cleared the case.
But now, I got another issue that the court hearing is in Alain for the first instance on the oncoming days. I would like to ask you about this. If I didn’t attend or present that hearing day, any problem will be faced like a jail term or a travel ban? Any immigration problem will be there?
Please advise!

Jul 11, 2021
488
Legal blog
3 available 3 • View allBounced Cheques in the UAE: What You Need to Know in 2024 291
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.
Oct 15, 2024
222579
Laws and Procedures Related to the Dishonoring of Cheques 7
As the civil and commercial transactions in the UAE have been growing rapidly, and due to replacing cash with other financial instruments such as cheques for big amounts of money, this had caused some hiccups at times leading to criminal and civil consequences on the person who defaults on fulfilling obligations.
Feb 24, 2020
3078
جريمة الشيك بدون رصيد ما بين الوضع الحالي والوضع المستجد 19
يلعب الشيك دوراً مهماً في الحياة اليومية سواء في ميدان المعاملات التجارية أو في ميدان المعلامات المدنية باعتباره أداة وفاء والتزام تحل محل النقود في التعامل بين الافراد. ونظراً لهذه الأهمية فقد أصبح أكثر الأوراق التجارية انتشاراً وتداولاً بين الناس، على الرغم من حداثته نوعاً ما. فالشيك لم يبق كما كان في بداية عهده أداة لسحب الودائع المصرفية لحساب الساحب ذاته، بل أصبح أداة وفاء تحل محل النقود سواء على النطاق الداخلي بالنسبة للمعاملات التي يقوم بها الأفراد داخل الدولة فحسب وزادت أهميته.
Jun 3, 2021
11313
Laws & Regulations
4 available 4 • 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
47948
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
148514
Federal Decree Law No. (14) of 2020 Amending Certain Provisions of the Federal Law No. (18) of 1993 Concerning the Commercial Transactions Law 4
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.
Sep 27, 2020
3549
Federal Decree-Law No. (31) of 2021 Promulgating the Crimes and Penalties Law 0
The provisions of this Federal Decree-Law No. (31) of 2021 Promulgating the Crimes and Penalties Law, known as the "New UAE Penal Code", governs criminal actions in the United Arab Emirates. The New Penal Code repeals the previous UAE Penal Code (Federal Law No. (3) of 1987 Promulgating the Penal Code).
Sep 20, 2021
504

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How can we claim our money back if the cheque we received have bounced for insufficient funds? 0
We received a cheque which has now bounced. We have tried for over a month and a half now to get a new cheque from the person, and every day he says the next day.
We need the money now. We have been to the police station, and they said they can not do anything as the reason the cheque bounced is "Insufficient funds."
We have been to Al Barsha - Dubai Courts, and they said there is nothing they can do about it.
We are not sure what we can do. We need the money asap to pay our kids' school fees, let alone all the interest we have lost.
Apr 28, 2025
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After 11 months of work, how many leave days is an employee entitled to? 0
Hello,
I want to inquire regarding my leave privileges. I am now 11 months in my company. How many leaves am I privileged to?
Based on Decree-Law No. 33 of 2021 regulating labour relations and its executive regulations, you are entitled to a paid weekly rest for not less than one day, as specified in the work contract or the work regulation.
The Council of Ministers may increase the weekly rest day stipulated in this article. The Decree-Law and its executive regulations also stipulate that you are entitled to an annual leave with full pay as follows:
- Thirty days for each year of your extended service.
- Two days per month in respect of any employee with more than six months and less than one year of service.
- Leave for parts of the last year of your service in case it is terminated before you use your annual leave balance.
Now my question is: do I have 22 days I can use? Can someone explain to me in detail?
Thank you!
Apr 28, 2025
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What can I do if I got a judgment in absentia for selling medicine without a license? 0
I got an order of 6 months imprisonment and deportation for a judgment in absentia by the Sharjah court for selling medicine without a license. I was not involved in the case directly; my friend used my car, and he had my bank card.
They made a confession that they were working for me and made a false claim that they had transferred money to me. As I am outside the country, I came to the UAE to solve my case.
I got detained at the airport, and the CID asked me some questions. I mentioned they didn’t transfer me a single Dihram, so he let me go, as the case was already open for appeal.
In the first instance court, they gave me the same verdict, then I appealed and attached documents like bank statements and my company details, which were not mentioned before.
They gave a date for the judgment, but it was not issued, and they gave the next date. I have been suffering a lot for the last 3 months here in the UAE and for 6 months back home.
So my question is that what will happen next?
Will the case be open for retrial, and will the CID be convinced by my logic?
Can they drop charges, or now the court decide only?
Apr 25, 2025
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Can I keep my daughter's physical Emirates ID if the custodian already has the digital copy? 0
Hello,
Can I keep my daughter's physical Emirates ID with me? I already provided the digital copy to the custodian, my ex-wife.
Or should I hand it over to her?
Apr 24, 2025
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What legal action can a company take to recover an amount from a non-paying customer? 0
Hello,
We are a building materials trading company based in the UAE. We supplied materials worth AED 50,000 to a customer around 8 months ago, but despite repeated follow-ups and reminders, no payment has been made to date.
We would appreciate guidance on the following:
1. What legal action can we take to recover the amount?
2. What documents should we have ready (e.g., delivery notes, invoice, emails)?
3. How long does the legal process typically take in the UAE for such cases?
4. Is there a recommended timeline or deadline after which legal steps should be initiated?
Thank you in advance for your advice!
Apr 25, 2025
43
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