Q: How to defend myself if someone bounced my cheque for more than the amount I borrowed and I have paid also triple the amount? A: If there is a problem or issue regarding bounced cheques, or you have had a previous judgment or action against you, it can be canceled…

The bounced cheque was previously punishable by imprisonment and a fine, but after amending the law, there is currently no criminal case in the cheques due to insufficient balance or closing the account. Now, the criminal case is in the case of forgery. The situation is that a civil case is being registered and some procedures are being taken to collect the amount. If there is a problem or issue regarding bounced cheques, or you have had a previous judgment or action against you, it can be canceled. You must contact us to take the necessary legal procedures to cancel the procedures. Do not hesitate to request the service to cancel the procedures.

How to defend myself if someone bounced my cheque more than the debt amount?

Questions & Answers

Questions & Answers

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Dealing with a case by the bank for defaulting on a loan

Q: Dear Sir, I have not paid a loan amount of AED 82000/- due to job loss. The bank is threatening to deposit a security cheque for AED 220,000/-. How will the bank deposit more than the outstanding amount? If the amount exceeds the cheque amount of AED 200,000/-, what is the next action by me? Please clarify Thanks and regards Seshad

Feb 28, 2019

4602

The consequences of defaulting on a loan in Dubai

Q: Hi mam, I had a loan in Dubai. I paid for some but then I couldn't pay for it anymore. They filed a police case of a bad faith cheque, amount of 78000 AED, what is the punishment in this case? Please advise! Thanks!

Mar 3, 2020

6272

Settlement of a bounced cheque to issue a new employment visa

Q: There was a case filed against me in Muraqabat Police Station for bouncing cheque. I was not able to pay my loan for more than 4 months as I lost my job and unable to pay. I informed the bank and negotiated with them, but they want me to pay at least half of the loan amount. My problem now is that I got a job offer but my new employer cannot issue an employment visa for me as I am in the blacklist status. My previous employer also cannot cancel my visa, they were able to cancel my labour card and already beyond the grace period of 30 days. My previous employer told me that they will present my passport to the visa section and file an absconding case against me. Please advise if they can really push filing an absconding case against me? What shall I do regarding the bounced cheque so that my new employer can process an employment visa for me?

Aug 14, 2018

3043

We are late for rent in a hotel apartment. Is it legal to deposit a cheque for a higher value?

Q: We live in a hotel apartment in Bur Dubai which is closing down on March 31, 2023. We have always paid our rent on time. However, we have dues of AED 22147.27 as of the date and they have an undated cheque of AED 28936 with them from us. We promised them we will clear the dues between the 15th and 18th of this month, maximum by the 20th, and leave. They are insisting on depositing the cheque by this evening even though for a higher amount and threatening further action. Our questions: 1. Can they deposit a higher value cheque when the dues are much lesser? 2. What is the action open to them - can they evict us and if so, how soon? 3. We will clear the dues between the 15th and 18th, maximum by March 20, 2023, and they are not listening to the same. If we clear these dues and give our commitment in writing, can they still enforce action today/tomorrow? Kindly advise.

Mar 14, 2023

123

How can I claim money owed to me using a blank cheque?

Q: Hello, I have received 3 signed blank cheques from a known person for money owed to me. We had a handshake deal, which was not honored. How can I claim the amount using a blank cheque?

Oct 1, 2024

152

Legal blog

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Bounced Cheques in the UAE: What You Need to Know in 2024

In the UAE, cheque bounce is a very frequent problem faced by people during their span in the country. It is covered under the purview of Commercial Transactions Law, and legal implications/penalties can be financially severe and daunting for more “serious” offenses. Bounced cheque issues may arise in a variety of commercial transactions, including but not limited to, companies’ exchanges, bank loans, property rents or purchases, and individual transactions.

Oct 15, 2024

291

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Laws & Regulations

3 available 3 • View all

Federal Law No. (3) of 1987 Promulgating the Penal Code

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

47925

Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates

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

148443

Federal Decree Law No. (14) of 2020 Amending Certain Provisions of the Federal Law No. (18) of 1993 Concerning the Commercial Transactions Law

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.

Sep 27, 2020

3539

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Khaled Ebid

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Can I file for mutual divorce from Dubai as an Indian resident and my husband works in Saudi?

Needed to know if I am eligible to file for mutual divorce as an Indian expat living in Dubai and holding an Indian passport and also have Canadian PR. My husband is a Canadian citizen working in Saudi on a work visa. What are my rights? Can I ask for alimony? Can I file for divorce from Dubai? I have no children from the marriage.

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My cousin has multiple penal judgments of fine and jail. How will this be calculated?

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Does a cheque bounce effect my AECB score ? Is there a policy for this?

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What are my options after my rental renewal offer and deposit was rejected by the owner?

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How can I cancel my visa and POA for financial matters if I have a travel ban for company bounced cheque?

I am seeking urgent guidance regarding my current visa status in the UAE. I was previously employed by a company that has now shut down, but my visa is still under that company. During my tenure, I held Power of Attorney (POA) for all financial matters. However, after a cheque issued by the company bounced, the owner revoked my POA without my knowledge. The company officially closed last year, and the owner (a lady) has been missing since the case emerged. No one from the company is responding, and I am currently stuck in Dubai due to a travel ban imposed on me related to this case. I need clarification on the following points: How can I cancel my existing visa under this closed company? Will I be able to obtain a new visa under another company despite the travel ban? Are there any legal blocks or restrictions affecting my visa or employment options? What legal steps can I take to resolve this situation? I would appreciate your guidance on the next steps and any possible solutions.

Mar 20, 2025