Q: Hi, I have a mortgage with a bank in Dubai. I renegotiated the interest rate with them in DEC 2018 to 4.15%. I discovered, in Jan 2020, that the bank had never amended my interest rate to 4.15% but was instead charging 7.75%. This bank has never ever sent me a statement of my mortgage. I have been in discussion with them ever since but they are refusing to abide by the terms of that signed agreement which I have in my possession. I want them to refund me the amount that I have been overcharged over the past 15 months. They are instead offering me a 3.99% rate for the next 3 years. I have filed a complaint with the Central Bank, they have not replied to the Central Bank's query in the 14 working day period. The bank has told me that I can call back on Sunday to see if they have replied. How can I get this bank to honor the agreement and refund me for their mistake? It seems that there is no accountability expected from them and I'm bearing a heavy financial burden as a result.

Q: I have used a credit card for less than one year in 2013. I paid the amount correctly and the last statement was zero. I made a request to close it in the same year as there were card charges from 2nd year. Afterward, I was not getting any statements or messages. After 8 years, I received a text message on February 19th to pay 86000 before March 13th. I contacted the bank and they aren't passing any clear details. I need help!

Q: The Bank filed a false case against me and when I visited the bank's legal team I found that all my documents were forged and the loan was processed. I suffered in jail for one day and then the case was withdrawn by the bank. How to demand an explanation and compensation from the bank? Am I eligible to sue the bank? I'm currently financially weak and would like to pay the lawyer fees after getting any compensation. I have proof of forged documents.

س: السلام عليكم، هل يحق للبنك في إمارة دبي أن يرفع دعوى جنائية أو مدنية ضد عميل لم يسدد مبالغ الفائدة بل سدد فقط المبالغ التي قدمها البنك أصليًا (مبلغ القرض فقط)؟ منحه البنك بطاقة ائتمانية بحجة أنه "قرض حسن بدون فوائد"، وبعدما استخدم العميل البطاقة الائتمانية بفترة زمنية قصيرة وفجأةً تم إرسال رسالة إلى العميل تفيد بأن هناك مبالغ متراكمة بسبب الفائدة البنكية بقيمة ٤٠٪؜ من القرض الأساس المُقدم إليه. علمًا بأنه تم تزويد العميل بالبطاقة الائتمانية عن طريق البريد السريع لعنوان منزله بدون طلب رسمي من العميل بذلك، بالإضافة إلى أنه لا يوجد أي من المستندات التالية بين البنك والعميل: ١- عقد. ٢- اتفاقية. ٣- شيكات كضمان. ٤- سند أو شريعة أو قبول خطي أو غير خطي أو توثيق يتضمن أي توقيع من الأطراف؛ بمعنى آخر، لا يوجد أي اتفاق على الإطلاق. العميل سدد المبالغ التي استخدمها ورفض دفع مبالغ الفائدة البنكية المضافة سالفة الذكر. الرجاء الإفادة ولكم جزيل الشكر!

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 law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.

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.