Q: I took a personal loan from a bank in Dubai, 130000 total. Now, my pending is 99300. I lost my job and now I got another job but salary much less, so some dues came. Now, the bank deposited my guarantee cheque and it bounced. They filed a case against me for cheating the bank. How can I solve this by paying a fine? I am not able to pay now monthly.

Q: Dear Sir, I was working in Jebel Ali free zone Dubai and I lost my job in 2015 due to company downsizing, and I had a loan from a bank which I was not able to pay off. I tried looking for a job when I was in Dubai during my visa cancellation process but was unsuccessful. I came back to my home country after, but when I came back and I had an accident and now after recovery. I was trying to get a job in the UAE and pay back the bank outstanding but no good luck for me. And now, I got an offer from one company in my home town. I just wanted to know how to handle the above issue after few people visited my home town and said we are from recovery and they are threatening my mother saying they will bring more people to recover the payment. Kindly advise what the UAE law said regarding the above issue. I even sent to the bank regarding paying back the payment if I will get a job in hometown and get salary in Pak. Rs. But till now, no reply from the bank regarding the above request. Please, give your expert opinion.

Q: Hi Sir/Madam This is S. H. I got two credit cards from Dubai from two banks. After that, suddenly my visa got cancelled then I went back to India. I used the total limit of cards. They informed me of a case filed against me. I am blocked at the airport. Now again I am getting a good opportunity to come back to Dubai. So If I come, how will they treat me? If they give permission, I will pay the amount monthly wise small instalments. So please advise me Regards, H.

Q: I have a civil case against me. I had a loan of AED 30000 and a credit card total due was AED 19000. In Corona time, I lost my job and went back to my home country. Once I came back, they made a case against me for around AED 47000. It's not a bank but a finance house. Right now I'm on a visit visa. What should I do?

Q: Hi, My father has a few court cases due to bounced cheques in 2005. He left the UAE before the cheques bounced, which were worth approximately AED 42,000, AED 954,000, and AED 138,000. His brother was managing the business, which caused cash flow problems, resulting in the cheques bouncing in Abu Dhabi. Before this incident, he had lived in the UAE for more than 30 years without any problems. I want to find out if it is possible to clear these cases and, if so, what would be the expected cost.

Q: Hi, Please advise the below issue with the bank. I lost my job last 2018, and due to this, I'm not able to pay my monthly dues to the bank. I visited the bank to discuss that I have insurance for my credit card. But the bank denied that insurance and said to me that I should apply for that insurance after my company finishes my work contract. It takes me 3 months before I visit the bank to apply for the insurance. The bank sued me in a civil case. I paid the amount to the police. But the bank still forces me to pay the pending amount. I manage to pay per month since Sept 2019 and until Dec 2022. Again I lost my work last Dec 2022. I'm not able to pay now the monthly dues that the bank required. Kindly help and advise, please.

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 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 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.