Q: Hi Hari D. is here once more. I believe you remember we spoke last week regarding a bounced cheque. I have changed my job and will be starting my new role tomorrow. My credit card settlements will be due at the end of this month. My current employer pays salaries on the 15th of each month hence I will only be able to settle my card payments around that time. Previously, I used to get paid on 28th of the month. I just want to get your opinion if it will be advisable for me to inform the banks accordingly so that they can reschedule my card payment plans and I do not default in the future. They will be expecting payments at the end of June, but I won't get paid until July 15th. Thank you for your usual support.

Q: I have a bank loan and credit card loan with 3 banks. As I am not receiving my salary of 4 months, what I have to do? From the company side, I can't do anything. They will pay later but not immediately. I will wait till that. What I have to do for loan repayment and credit card payments? If they go legal, what I have to do? If I didn't pay, is it possible to waive it off?

Q: Hi Mam, I need clarification. I had a credit card loan which I was remitting though not on a regular basis due to salary delay. However, while I was travelling on emergency leave to attend my grandma's funeral last year, I was denied of travelling saying that there is a bounced cheque by the bank and thereafter was imprisoned for a day. The very next day I was released after paying an amount of AED 4950/- and the officer said that I need not have to pay anything further. The bounced cheque was for 60000/- and my total dues at that time were only about 15000/-. Now after almost a year, I received some calls from their collection department and they have sent a mail saying that my dues are now about 39,000/- and cautioned me not to travel. As I am planning to travel during the 1st week of May '19, I would like to know your valuable advice as to whether there will be a ban on me again. Appreciate & eagerly awaiting your valuable advice. Thank you, G. N.

An interview-format article covering the topic of loans and bounced cheques in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

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.