Questions & Answers
Questions & Answers
6 available 6 • View allHow to negotiate with the bank to drop cases and settle a loan before I return to the UAE?
2
Q: Hi
I acquired a loan in the UAE and made timely payments. But due to some emergency, I had to fly back to my country and lost my job.
Although the gratuity amount was paid to the bank which was around 50% of the actual amount, the remaining amount is still around 260k.
I had a life-threatening accident and was not able to travel back and it's almost 6 years. I keep getting regular messages from the bank about the repayment and filing a case against me.
I am planning to fly back to Dubai to search for a job as I was jobless for 4 years due to the accident and covid.
What are the consequences I will face and how can I avoid them? And what will be the best scenario for me?
Regards
A. B.

Apr 30, 2022
400
Leaving the country with outstanding dues and making settlement with bank


4
Q: I left Dubai in 2009 after being made redundant and unfortunately had outstanding liabilities (credit card) for around AED 218,000.
After being unable to successfully find a new job, I had to return to the UK (home country). I want to find out the current status of any travel ban or a police case against my name.
Likewise, I want to reach an amicable arrangement to carry on repaying these obligations. Unfortunately, my old passport and residency visa from my time in Dubai was lost in 2012.
I likewise, retain no credit card information from my accounts at the banks.
Please, can anyone advise on the correct steps forward?
Thank you kindly.



May 2, 2019
1305
Possible travel ban for a debt after leaving Dubai and its effect on other GCC countries




6
Q: Dear Lawyers,
I left Dubai in 2017 with an unpaid debt. How will I know if I got a travel restriction to the UAE?
I got hired for employment in Qatar, would that affect my entry into Qatar?
Thank you for whoever will answer.





May 27, 2021
4064
Returning to the UAE while the settlement offer is rejected by the bank



1
Q: Hello,
I was living in Abu Dhabi for 5 years and I was made redundant by my company in the Covid-19 crisis in May 2019. I had no choice but to leave the country as I was not able to find another job during the period of 1 month that my residence visa was still valid.
I had a loan with an outstanding amount of around 300.000 AED that I could not repay. I was contacted by many debt collectors to repay, and I showed good intention and offered to pay small amounts on monthly basis from my country of residence as the salary averages were much lower than those in the UAE.
My offers however were rejected. Assuming that I would like to travel back to the UAE and find a job, what should I expect after the legal changes that occurred at the beginning of 2022? am I to serve any jail time, or will there be any fine of any kind?
And how long is the period for such cases to be written off if that is a possibility?
Thank you for your time!




Oct 23, 2022
361
Using the new insolvency law to enter the UAE while there is an unpaid loan
2
Q: Dear sir/madam,
I have a loan with a bank in the UAE. When I left, my gratuity was used as payment but I still owe some money. I tried to pay since going back to my home country but it has been financially hard.
Recently, the bank filed a court case. They sent me the documents. I have every intention of paying but I can't right now and I have decided that the only way to pay is to just come back to the UAE.
My question is:
Can I use the new insolvency law to get into the country if I am offered a job in the UAE?

Nov 13, 2022
277
How to return to Dubai after leaving with unpaid credit card and possible absconding?




0
Q: Hi
I have queries related to my residence visa and re-entry. Under some circumstances, I had to leave Dubai, while I was on a resident permit.
I could not return back to the country due to some personal emergencies back home. I had some credit card dues and dues with bank charges.
It's been almost 2 years and I want to return back to Dubai through a visitor visa.
How would I know if I can apply for a visitor visa?
If yes, then what would be the consequences for me to get my visa canceled?





Nov 14, 2024
259
Legal blog
3 available 3 • View allBounced Cheques in the UAE: What You Need to Know in 2024 292
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
222922
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
18959
What is a Travel Ban & How Does it Work in the UAE? 13
An interview-format article covering the topic of the travel ban and reasons leading to it in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.
Mar 9, 2020
6660
Laws & Regulations
2 available 2 • View allFederal 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
47966
Federal 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
148562

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The public prosecution appealed a judgment to increase the fine I already paid. What do I do now? 0
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Do I need to hire a lawyer if I found I have a marital case against me in the court? 1
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A hair salon caused serious damage to my hair and scalp. What can I do to sue them? 0
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Is it still applicable to file a complaint with the police for a bounced cheque? 0
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What can I do if the landlord has not been responding to renew the commercial lease contract and Ejari? 0
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Is accrued annual leave paid if the employee is terminated during probation? 0
Hello,
I want to confirm: if an employee is terminated during the probation period, does the employer have to pay them their accrued annual leave, even if it's during the probation period?
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Is it normal for a Sharjah title deed to say “Joint Property Ownership” if I’m the only owner? 0
Hello,
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Can I travel to Qatar if a collection agency told me I have a travel ban for an unpaid loan? 1
Salam,
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Can you go to Dubai Courts and check a civil case with an arrest warrant for unpaid loan? 1
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Is it mandatory to visit the CID in person to update my records? 2
Respected Advisors,
I have been involved in a few criminal cases since 2017, but all of them were cleared by this year. I have obtained release letters for all the cases from the public prosecution office through an online portal.
Recently, I also received my residence visa. After the visa process was completed, I applied for a PCC online. However, the request was rejected.
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How can the heirs of a deceased person distribute his shares if there is a minor? 1
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