Q: My bank presented my cheque which bounced obviously. It was against a loan amount, they had taken a cheque from my guarantor for the same amount. Can they present his cheque? And is it legal to present two cheques for the same amount and for the same loan account?

Q: Hello I signed as a guarantor for a person's company loan for AED 500,000. The person is no longer in the country and now there is a civil case on me. What is the penalty or jail term I would be looking at? If I go through the jail term, is the outstanding amount is also cleared?

Q: I guaranteed a bank loan for my company although I'm not a shareholder. The owner guaranteed too but he resides in South Africa. The South African business owes the UAE business AED 850k and the bank loan outstanding is AED 880k. I am owed AED 1000k in unpaid wages/personal loans to the company. Can the bank come after me for loan settlement (payments are currently up to date) if there is a default even though I'm owed more than they are?

Q: A friend has taken a loan in my name. I was helping out and he brought all the bank people to me. I have not even known the amounts. He has managed everything, I have only signed and done everything according to his instructions. Two days ago he promised he will pay off half and had the money in INR and needs time to convert it. And now he has disappeared, his number is unavailable and everything. The amount is not small two. One was a credit card he gave me himself as an employee of the company and has outstanding there too. Can I file a police complaint? I have WhatsApp chats

Q: Hello, I made a personal guarantee for my brother to get the bank loans. He was not able to pay the loans and a travel ban was imposed on us. Now my brother died and still, we have civil cases. Please how can the travel ban be removed? Thanks!

Q: Good morning, everyone! I have a cheque execution case with a travel ban (although the ban doesn't show in the DC case data). I'm a salaried employee with a monthly income of 10,000. My best friend, who runs a business in Dubai, is willing to act as a guarantor for my travel. Is he eligible for this role, or should I find someone who is also salaried, like me? I don't have any blood relatives here. How long does the approval process usually take?

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.

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 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.