Questions & Answers
Questions & Answers
6 available 6 • View allGetting 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
23895
Settlement of bank liabilities and ensuring clearance
3
Q: I defaulted on a personal loan due to loss of job in 2016. Then via my friend and transfer of POA filed case for settlement. I paid money to a friend for settlement.
Wanted to understand if I settle my case through court does the bank give a clearance letter?
My friend has submitted me an immigration clearance letter and also PCC.
Should I consider my self clear from all legal liabilities on the basis of immigration clearance and PCC?
Can the bank re-apply for the case against me in future? How can I close my bank account?
Are the immigration ban and travel ban the same?
What should I do to re-assure that everything is legally right?

Apr 18, 2019
3407
Getting 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
3934
I have an outstanding loan and I want to negotiate with the bank to reduce the interest


2
Q: Hi,
I have an outstanding loan of 150,000 in Dubai but I am no longer working in Dubai and currently looking for a job in my home country.
My intention is to pay the installment amount in a timely manner but I want the bank to decrease the interest charges.
Is it possible for the bank to do so?



Jul 1, 2022
1085
Issuing a travel ban while installments are paid on time from abroad



3
Q: Hello,
I need urgent advice.
I left the UAE 2 years ago with an outstanding amount of a personal loan. The collection department called me the first month after that to discuss my situation and I continued to pay my monthly installments with a bank transfer without any unpaid till now.
Is there any possibility that the bank has taken any legal action against me despite the information mentioned above?
Is there a travel ban since I plan to travel soon to the UAE?
Thanks in advance!




Aug 30, 2022
563
What to do if the bank is taking money without resolving my case?
4
Q: Hi
We had a case against us by a bank for a loan (claim amount 236000.00 AED) for which we paid a legal fee of AED 25000.00 to the bank along with the outstanding claim amount as per judgment.
After two months we received a court order to pay AED 10000.00 as a court fee. Please advise who should be paying the court fee as we have paid AED 25000.00 to the bank already as a legal fee.
Also would like to know the exact legal fees for the claim amount.

Feb 3, 2023
692
Legal blog
2 available 2 • View allOnline POA and Other Notary Public Services in the UAE 28
With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.
Jun 8, 2021
19166
The 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
18889
Laws & Regulations
2 available 2 • View allFederal 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
148347
Federal 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
47897

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If someone has a case in the UAE, can they travel to another GCC country? 0
Hi.
One of my friends joined a Telegram group. They said, "We will transfer some amount to your account, and your task is to transfer this amount to another account. Once the task is completed, you will get 30 or 50 AED per task."
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I want to open an online shop. Do I need a license to open an Etsy shop? 0
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How can we locate a person with an ongoing legal case? 0
Hello,
I am seeking your legal advice regarding a friend who was previously imprisoned in Abu Dhabi. His case there is now closed, but he has another ongoing case in Dubai.
Currently, we have lost contact with him and are unsure of his whereabouts. How can we check where he is or access any other legal facility?
Are there legal procedures to locate a person with an ongoing case?
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Feb 11, 2025
138
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