Questions & Answers
Questions & Answers
4 available 4 • 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
350
Returning to the UAE while there was unpaid loan in 2010



2
Q: Hi!
I have a brother who has an unpaid loan way back in 2010. Now he wants to return here to the UAE.
How can we settle it knowing that the bank had merged with another bank? And how can we check if there is still a case filed under his name?
Thanks in advance!




Sep 12, 2022
308
Getting a job offer in the UAE while there is unpaid bank loan




2
Q: Hello,
I have unpaid dues on a credit card with one bank (approximately 7000 AED) and a loan with another bank (approximately 28000 AED). Due to the pandemic, unfortunately, I was terminated from my work and thus had to return to my home country.
I’m behind on payments for over 1 year to date.
I’ve been born and raised in Dubai and would never want to have such a situation held in UAE, thus I’m willing to return back and pay everything within the least possible time.
(I have a job offer with enough salary offered to settle dues within the least months).
I would like to know if there is a chance that either of the banks may impose a travel ban on me.





Aug 30, 2022
429
Can the bank file a case against me for my obligation after merging with another bank?

0
Q: Can the bank file a case against me for my bank obligation?
I issued a cheque to the bank before but I was not able to pay it completely since I lost my job.
Can the bank sue me for this even if they have merged with another bank?
Please advise.


Aug 21, 2023
127
Legal blog
4 available 4 • View allBounced Cheques in the UAE: What You Need to Know in 2024 291
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
221898
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
18880
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
6575
Online 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
19163
Laws & Regulations
3 available 3 • 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
47894
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
148341
Federal Decree Law No. (14) of 2020 Amending Certain Provisions of the Federal Law No. (18) of 1993 Concerning the Commercial Transactions Law 4
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
3527

Other answers by
249 249 answers •
View allAssistance with clearing a police case and lifting a travel ban in the UAE 0
Good day!
I have rental disputes and got a settlement plan 8 months ago.
But I did not pay the settlement because at the moment of applying for the settlement plan, I had a job offer and lost it because of the travel ban and the visa could not be processed.
I have another personal police case where I already paid an amount of 18,000 and the claim was 40,000 dirhams. Now that I did not continue paying, the plaintiff put the case again.
I have another offer letter now and I want to get a clearance certificate within 48 hrs, or else I might lose this job as well.
Kindly advise
Sep 7, 2022
314
I bought a new vehicle from the dealership with a hidden defect. What can I do? 0
I bought a new vehicle from the dealership [-----] and after 5 min of using the car, an alert popped up. Less than 24h later I informed the dealers of the issue.
After struggling with them about it, I finally brought the car to service at their company and they have confirmed the part needs to be fully changed.
I’m telling them I cannot accept a faulty car and demand either a refund or another vehicle. So far they’ve been less than cooperative.
Oct 5, 2022
239
How to know the judgment when the portal says "decided"? 0
Dear sir/madam,
There is a case against me in a commercial, full-jurisdiction court. Sorry if I'm getting this wrong. I have not participated in the case and on the advice of my UK lawyers, I have not been represented there in Dubai.
Upon checking the portal, it says a judgment was reached yesterday, but I can't see further details. So my questions are:
1) Do judgments happen behind closed doors or in front of the lawyers? (the plaintiffs have lawyers)
2) How long does it usually take for the verdict to be public and for me to see the outcome of the case?
The only thing it says online is the word "decided".
Oct 19, 2022
659
Getting deported from the UAE while the medical checkups are good. What to do? 0
Hi there,
I got deported from the UAE for failing medical but when I reached my country, I have done several medical checkups but everything is OK; HIV negative, no hepatitis B, etc.
I don't know if there was a mistake or a misfortune for me. I am wondering if they can allow me to come back to Dubai.
Sep 1, 2022
751
Is it mandatory to visit the CID in person to update my records? 0
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.
I contacted the 901 office, and they advised me to visit the CID. I arranged for a power of attorney to be granted along with all the necessary documents to update the system.
Twice I was told to come in person, but I am hesitant to do so because of my previous negative experience.
Could someone please advise me whether I must go in person or if the person holding the power of attorney can handle the process?
Thank you!
Nov 15, 2023
664

Premium
Other answers by
1543 1543 answers •
View allHow much time do I have to start paying after the verdict in the appeal court? 0
Hello,
How much time do I have to start paying after the verdict in the appeal court?
And what's the probability of freezing my account or traffic file if I’m paying?
Apr 11, 2025
69
What does Cabinet Resolution No. 1 of 2022 mean with exempting supervisory roles from the provisions of the Labour Law? 0
Dear colleagues,
According to Article 15 of Cabinet Resolution No. 1 of 2022 (“Executive Regulations”), employees occupying supervisory roles are exempt from the provisions of the Labour Law and the Executive Regulations in relation to maximum working hours only if they possess powers equivalent to those of the employer.
Could you please clarify what is meant by "if they possess powers equivalent to those of the employer"?
Currently, we have heads of departments who report to the directors. Will they be eligible for overtime?
Also, those who have a POA to sign contracts will they be eligible?
Or, those who temporarily replace the CEO while he is out, will they be eligible?
Apr 10, 2025
58
Can I stay home if my boss doesn’t pay my salary on time? 0
Hello,
Can I stay home if my boss doesn’t pay my salary on time?
Apr 10, 2025
54
نزاع بين شركاء مفوضين بالتوقيع على المعاملات البنكية للشركة بشأن شيك وتحويل أموال 0
زوج وزوجة، الزوجة مالكة لشركة بنسبة 50% ولديها شريك أجنبي يملك بنسبة 50%. الشريك مخول بالتوقيع في كافة المعاملات البنكية للشركة والزوجة كذلك لها ذات الصلاحية.
بعدها، غاب الشريك الأجنبي عن الشركة وسافر. ومازالت الشركة نشطة والعمال لايستلمون رواتبهم والشريك قام بتحويل جميع أموال الشركة إلى حسابه الخاص دون علم الشريك الآخر.
ثم تحصلت الزوجة الشريكة على شيك، فقام الشريك الأجنبي بفتح بلاغ خيانة أمانة واستلم زوجها الشيك.
فما هو الحل القانوني من ناحية جزائية وتجارية؟
Mar 27, 2025
64
What are the penalties for employing workers without a visa? 0
Hello,
Kindly let me know the statutory provisions relating to the penalty for letting employees work without a visa and the amount of penalty to be paid by the employer.
Apr 9, 2025
51

Other answers by
162 162 answers •
View allإمكانية المطالبة بالمستحقات العمالية بناءً على الراتب الفعلي وليس المكتوب في العقد 0
السلام عليكم،
أعمل في شركة في العين مند ثلاث سنوات ونصف "منها سنة وعشرة أشهر إقامة تابعة للشركة" وما تبقى كنت أعمل بالإعارة من شركة أخرى. راتبي في عقد العمل 500 درهم ولكن راتبي الفعلي 2500 درهم.
هل يحق لي المطالبة قانونًا على حسب الراتب الفعلي؟
وهل فترة العمل بالإعارة تدخل ضمن أيام المستحقات؟
علمًا بأنني أستلم راتبي بشكل مباشر بإيصال قبض من الشركة، وراتب العقد (500) أستلمه بنكيًا أو عبر فروع الأنصاري.
Jul 17, 2023
216
Mold in apartment due to construction fault: Can I get compensation? 0
Hi everyone,
I rent an apartment. After two days in the apartment, water started leaking from the ceiling.
It turned out to be a fault in the building's construction, which caused condensation in the false ceilings. When the panels were demolished, it was found that they were all full of mold.
The building manager has started work, but the apartment is no longer habitable.
Should the landlord compensate me for the lack of peaceful enjoyment of the property?
Jul 17, 2023
413
New owner in Dubai with no Ejari and previous tenant: What are his rights? 0
Dear Sir/Madam,
I recently purchased a studio flat in Dubai that was previously tenanted under a Tenancy Contract from November 2022 to November 2023.
However, there is no registered Ejari to establish a tenant-landlord relationship in the Dubai Government record.
The previous landlord had given the tenant a year's notice to vacate the flat, which was given six months ago. Now that I have purchased the flat, I have asked the tenant to replace the cheques, but she has refused to cooperate.
Can you please advise me on whether I am obligated to continue the Tenancy Agreement signed by the previous owner, given the absence of an Ejari?
Alternatively, when can I tell her to vacate the flat, or do I have to wait until November 2023?
Secondly, I would like to know if I need to serve the tenant with an eviction notice again to vacate the flat. If so, for how long is the remaining period valid, or do I need to issue a new eviction notice of one year?
I would appreciate your prompt response.
Many thanks!
Kind Regards,
Apr 11, 2023
1709
My company is asking us to work 9 hours this Ramadan. What can we do? 0
My company is asking us to do 9 hrs. duty this Ramadan starting last 8th of April 2023 without overtime pay.
And no one from my colleagues wants to complain as they are scared of what might happen.
Just today, my showroom manager is asking me to extend until 12 pm when I started my duty from 10 am and I am fasting.
What can I do?
Apr 13, 2023
540
Issuing a legal notice for non-payment and false accusations by a client 0
Hello,
We would like to issue and send a notice/legal notice to one of our clients for none payment of dues and false accusations.
How can this be done?
Apr 15, 2023
464

Premium
Other answers by
3180 3180 answers •
View allHow to file an online defamation case from the Philippines against someone in Dubai? 0
Hello,
I'm currently looking for legal advice regarding an online defamation case. I am a Filipino citizen currently residing in the Philippines. The person I want to file a complaint against is also a Filipino citizen and is currently based in Dubai.
I have already sought legal consultation, but it cost me a lot for just a simple session. Unfortunately, I don’t think I can afford to proceed with the fees required for sending a warning or demand letter to the person I’m complaining about.
I would really appreciate any help, guidance, or information about possible free or low-cost legal services.
Thank you for your time!
Apr 11, 2025
63
What does Cabinet Resolution No. 1 of 2022 mean with exempting supervisory roles from the provisions of the Labour Law? 0
Dear colleagues,
According to Article 15 of Cabinet Resolution No. 1 of 2022 (“Executive Regulations”), employees occupying supervisory roles are exempt from the provisions of the Labour Law and the Executive Regulations in relation to maximum working hours only if they possess powers equivalent to those of the employer.
Could you please clarify what is meant by "if they possess powers equivalent to those of the employer"?
Currently, we have heads of departments who report to the directors. Will they be eligible for overtime?
Also, those who have a POA to sign contracts will they be eligible?
Or, those who temporarily replace the CEO while he is out, will they be eligible?
Apr 10, 2025
58
Can I request delaying my visa cancellation due to medical unfitness until I retake my medical test? 0
I got a work permit and moved to the UAE. I had a work permit for 2 months, which was supposed to be changed to residency. But I got medically unfit, and the company off-boarded me the same day.
They gave me a grace period of 15 days before cancelling the visa. In these 15 days, I have managed to get my test redone and am in the process now.
Can I ask my agency to let me stay till I get my reports updated, and not to cancel the visa as it's already in the legal limits?
I entered on 2 March, so my visa expired on 2 May. I have taken 1 test and the results are due by the next two weeks (between 14 April and 21 April).
Can I ask them to hold the cancellation because I am pretty sure my reports will be revised?
Apr 10, 2025
42
I have unpaid bank loan and credit cards in Dubai and got a job offer from Kuwait. Can I go there? 0
I have a bank loan in Dubai of AED 20000 and two credit cards from different banks (5000+5000), and the total is AED 30000.
The liability is in Dubai. I left Dubai 10 years ago. Now I have a job offer from Kuwait.
Can I go there?
Apr 10, 2025
91
نزاع بين شركاء مفوضين بالتوقيع على المعاملات البنكية للشركة بشأن شيك وتحويل أموال 0
زوج وزوجة، الزوجة مالكة لشركة بنسبة 50% ولديها شريك أجنبي يملك بنسبة 50%. الشريك مخول بالتوقيع في كافة المعاملات البنكية للشركة والزوجة كذلك لها ذات الصلاحية.
بعدها، غاب الشريك الأجنبي عن الشركة وسافر. ومازالت الشركة نشطة والعمال لايستلمون رواتبهم والشريك قام بتحويل جميع أموال الشركة إلى حسابه الخاص دون علم الشريك الآخر.
ثم تحصلت الزوجة الشريكة على شيك، فقام الشريك الأجنبي بفتح بلاغ خيانة أمانة واستلم زوجها الشيك.
فما هو الحل القانوني من ناحية جزائية وتجارية؟
Mar 27, 2025
64
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