Q: A bank has filed a criminal case on cheque bounce. I was taken to court and I paid AED 1,000 fines to the court. After this, every month I pay an amount between AED 500 to 1,000 to the bank. Last month, I did not pay the amount, so the bank is threatening me that they will file a civil case and put an immediate travel ban on me. I need your support.

Q: Good Morning, I am willing to import goods and accessories from China for a gift and toy shop. There are offices in China for Jordanian and Arab agents whose job is to handle such deals for those who don't know the Chinese market very well and organize the shipment and method of payment, against a commission for themselves. What are the precautions I have to take in China to avoid falling victim to fraud? How do I make sure the goods with be delivered and when do I have to pay? Should I carry with me any bank guarantee certificate, trade license or any other document to China?

Q: I got a personal loan from a bank for five years, then I received a job offer from the Gulf. I travelled and continued paying my instalments from there, but five months ago, the company terminated me as a part of their budget reduction and I couldn't pay anymore, but still looking for a job. In addition, I submitted a case against my company to claim my unpaid salaries and benefits upon termination, and I may not be able to resume my payments before I find a job or get my money from the company. I want to know if I have a case filed against me. I contacted the bank when I missed the first instalment and told them, and they said that they will impose a late-payment fine for the first three months, and after that, all the instalments will be due.

Q: After a Performance Order judgment is issued for a cheque return case, there is an appeal period of 15 working days I believe. Can the cheque issuer appeal on the grounds that he never received the amount in cash, but it was rather a guarantee cheque for trading for which he was a guarantor and the money was lost in the market? Whereas the cheque was actually issued as a guarantee to cover any loss. Please note there was no written proof of the trade deal.

Q: Dears, We have supplied goods to a Jordan-based garment manufacturer with their head office in Sharjah free zone and banking in the UAE mainly (the Jordan factory is mortgaged by UAE bank). So I need to know if there is a treaty between the UAE and Jordan for bounced cheques in Jordan that are issued by the bank in Jordan (the owner is based in the UAE). Please advise Thanks

على مدى العامين الماضيين، أصبحت أوامر الدفع شائعة جدًا في دولة الإمارات العربية المتحدة. تتناول هذه المقالة كيف ومتى يمكن لأحد الأطراف التقدم بطلب للحصول على أمر دفع وكيف تتعامل محاكم دولة الإمارات العربية المتحدة مع مثل هذا الطلب عندما يبرم الطرفان اتفاقية تحكيم.