Q: Dear Ahmed, Eid Mubarak! I lost my job two years back and I have been on a couple of visit visas without luck! I have a loan which I was able to pay the first few months of being laid off, however, I couldn't afford to until the bank deposited one of the security cheques. I was arrested while exiting the country, and fined where I was handed over my passport. I am back on a visit to look for a job but the bank has threatened to open a civil case, what are my options? Will they take me to jail? Is there a way I can request the court to allow me to pay little instalments until I get a job? Kindly advise

Q: I have a police case for a bounced cheque last year March 17. It was against a loan which I drew but later I changed my job. I left the UAE and came back, but before I can do something the bank felt insecurity and immediately they submitted my security cheque to the police station and put a case on me. The same day, I paid the fine and came out. Later, I joined a new company and provided the necessary documents and new security cheque. My account was then regularised (After resigning from the previous company my account was frozen) and since then everything is fine. Now, I want to settle my loan in full. I already mobilised funds needed. I want to know asap if I settle the loan in full, how the travel ban or police case will be removed? Will the bank do everything and give me a clearance letter?

Q: Dear Sir, I am requesting your advice regarding my case of Bank EMI default. I had availed a personal loan of AED 1,60,000/- from a bank in October 2019 and my company has reduced our salary and made a deduction of 70% until March 2021. After that, I might lose the job as well. I am unable to pay the EMIs and afraid that the bank might put a legal case against me for non-payment of installment and apply a travel ban as well. Kindly advise if there is a way I can pay a fine and close this case.

Q: Hello, I have a personal loan (296k) with a bank which I took in October 2019. My EMI (7842) started in January 2020. I have been sincerely paying the EMI's from January 2020 till May 2021. I stopped after that because of job loss during the pandemic times. I have lost my job in August 2020 and still, I have made sure to make the payment of my EMI's on time till May 2021. Unfortunately, after that, I have not been able to grab an opportunity to continue my payments as the job market is down due to corona and flight bans. And now the bank people have started sending multiple third-party people belonging to different companies from India harassing me and my family with calls and messages. They also reached my home shouting in front of it ill-mannerly with my mother who is a heart patient. With this kind of behavior, my family's respect has been tarnished in front of the neighbor's. Please help! I don't want to spoil my career. Regards,

Q: I have a judgment against me in Dubai Courts and I don't have the money to pay. I shall pay it in 5 or 6 installments. How to request this in court? And whom and when should I approach for the same? I already tried with my creditor and he refused. He is proceeding with the execution formalities to block my bank accounts and RTA files. If the bank accounts are blocked I shall be stuck with all my operation so that my receivables also will be uncollectible.

س: السلام عليكم، كتبت شيكين مجموع قيمتهم 130 ألف درهم ولأسباب كثيرة لم أستطع سداد الشيكات وهي شيكات شخصية وذلك في العام 2017. قام المستفيد من الشيكات بفتح بلاغ في الشارقة ومن يومها لا أعلم إن كان هناك دعوى أم لا؟ هل هناك مدة معينة لتقادم الشيك وسقوط البلاغ؟ أم أن المدة مفتوحة؟ وكيف يمكنني التأكُّد إن كنت مطلوبًا في الإمارات؟ وهل يمكن أن يصدر حكم غيابي بدون علمي؟

Q: Hi, My father has a few court cases due to bounced cheques in 2005. He left the UAE before the cheques bounced, which were worth approximately AED 42,000, AED 954,000, and AED 138,000. His brother was managing the business, which caused cash flow problems, resulting in the cheques bouncing in Abu Dhabi. Before this incident, he had lived in the UAE for more than 30 years without any problems. I want to find out if it is possible to clear these cases and, if so, what would be the expected cost.

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.

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.

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.