Questions & Answers
Questions & Answers
3 available 3 • View allGetting clearance from the bank after settlement of debt
11
Q: Hello there,
I left the UAE in 2015 and I had a loan and credit cards paid one by one and left now with the last credit card with a bank. I was paying minimum account until Feb 2020.
Then COVID-19 hit and I was not able to pay. I contacted bank but no response from their end for settlement.
Now suddenly an agency started dealing with me and asking me to pay around AED 12000 which is very difficult. Please advise.
I paid one bank and got clearance, paid another bank but they are not giving out a clearance letter still after much follow up. What can be done?

Aug 11, 2020
3935
Checking records after clearing credit cards debts


3
Q: Hi,
I had a few credit card debts in the UAE when I left in 2017.
The banks were following up for the payments, and one by one I paid off all. They have given me a clearance letter too. But I am still afraid to enter the UAE.
Can anyone help me in checking weather I have a possible travel ban or arrest warrant in the UAE?



Dec 10, 2019
409
Getting clearance from the bank after settlement of a loan
14
Q: Hi Miss Gatina,
I was hoping you could answer a quick question for me.
If I have an open legal case raised against me by a bank for unpaid liability, then the liability is paid off, are they obliged to close that legal case and/or issue a NOC?
The reason I ask is that my bank won't close it as I have another outstanding liability and in negotiations to settle, they can only open a civil case for that one, not a legal one.
So my question is, are they allowed legally to keep a case open for a liability that's been paid off? Can they be forced to close it?
Thanks
Debs

Feb 17, 2019
23897
Legal blog
1 available 1 • View allThe Consequences of Job Loss and Defaulting on Financial Liabilities 26
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.
Feb 12, 2019
18892
Laws & Regulations
2 available 2 • 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
47900
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
148357

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View allمتى يحق للمطور سحب العقار مرة أخرى بعد التأخُّر في سداد الدفعات المستحقة؟ 0
السلام عليكم،
متى يحق للمطور سحب العقار مرة أخرى بعد التأخُّر في سداد الدفعات المستحقة؟
علمًا بأنه تم دفع حوالي 48% من قيمة العقار.
بعد أخذ الحكم من دائرة الأراضي والأملاك بدبي بسحب العقار، هل يوجد شيء يمكن المشتري من استرجاع المبلغ المدفوع مرة أخرى؟
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الحصول على قيمة وثيقة التأمين التي تغطي مستحقات العامل بعد كسب الحكم 0
السلام عليكم،
لدي حكم عمالي ولم تقم الشركة بالسداد بعد. علمت أن الشركة اشترت وثيقة تأمين لي في أثناء عملي تغطي مكافأة نهاية الخدمة والرواتب غير المدفوعة.
تقدمت بطلب للمحكمة لتخاطب شركة التأمين لتدفع لي قيمة التغطية التأمينية في حدود المبلغ المحكوم به، ولكن للأسف رفضت المحكمة ولا أدري سبب الرفض لأنني المستفيد من الوثيقة!
سؤالي: كيف أُسيّل قيمة التأمين لصالحي؟
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هل تسقط القضية الجزائية المُحالة إلى المحكمة في حالة عدم حضور المجني عليه الجلسة أو عدم وجوده داخل الدولة؟
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تأخير تسليم الوحدة وموافقة المطور على دفع بدل إيجار ثم المماطلة في الدفع 0
السلام عليكم،
اشتريت شقة في الشارقة وتأخر المطور في التسليم لمدة سنتين وأربعة أشهر. أرسلت له إخطار عدلي من المحكمة في الشارقة بتاريخ التسليم وكان رده بأنه ملتزم بدفع بدل الإيجار عن الوحدة عن مدة التأخير.
الآن العقار جاهز وتبقى مبلغ 90 ألف. طلبت منهم خصم مبلغ بدل الإيجار من دفعة التسليم ولكن المطور لا يريد دفع شيء ويماطل. اليوم أرسل لي إنذارًا يطلب مني استلام العقار ودفع دفعة التسليم خلال ٧ أيام وإلا سيلجأ للقانون.
ما موقفي؟ وماذا يجب أن أفعل؟
العقار في الشارقة والعقد موثَّق. التأخير سنتين وأربعة أشهر. كان رد المطور على الإخطار العدلي أنه ملتزم بدفع بدل الإيجار. الآن لا يريد دفع شيء. ماذا أفعل؟
قيمة العقار مدفوعة كاملة ما عدا 90 ألف دفعة التسليم. أنا أطالبه بأن يخصم بدل الإيجار لكي أدفع الباقي وهو يرفض دفع أي شيء.
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اكتشاف وجود ديون على المنشأة بعد شرائها. ما الحل؟ 0
السلام عليكم ورحمة الله وبركاته،
اشتريت مصنعًا ونُقلت الرخصة لاسمي وبعد مرور فترة زمنية، اكتشفت وجود ديون على المصنع في الفترة التي سبقت شرائي له.
هل بإمكان أصحاب الديون مطالبتي أو التسبُّب بأي متاعب لي أو للمصنع؟
وفي حال تمكنهم من ذلك، فما الحل؟
مع الشكر!
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