Q: I have a case from Dunia Finance regarding a bounced cheque amounting AED 50,000 and I was caught and detained in Abu Dhabi for 3 days. They give me a bail for AED 2000 and I was released. What should happen after this, and how do I know if I am cleared or I need to attend in court? Please advise what will happen to my case after paying the bail. Thanks and regards, Ramel

Q: I have a travel ban set by Dunia Finance LLC, as I had a loan from them and failed to make some instalments. Now, I am in India and I want to clear this issue. Please give me some options to solve this matter. I can follow your instruction to solve this.

Q: Hi. I would like to ask a question. I had a bank loan in 2013, and due to crises, I lost my job in 2015 and couldn't continue my loan instalments. But now, I got a job in Dubai, and before coming to Dubai I spoke to the bank from my home country to remove police case and allow me to come to Dubai. The outstanding amount was AED 68K. The bank gave me a release letter with the help of Central Bank on the condition that I will continue my loan instalments, but my salary is not that big to be able to continue. So now the bank is telling me they will make a travel ban and civil case against me. My question is if bank files a case and I pay a fine in court against the cheque bounce, will the central bank or local bank still make another case or travel ban? Please help me and give your advice. Thank you

س: السلام عليكم ورحمة الله وبركاته لوسمحت، أنا أخذت سيارة مستعملة عن طريق شركة للتمويل وكريدت كارت مبلغ ٥٠٠٠ آلاف درهم. وشاءت الظروف ولم أستطع دفع الثلاثة أشهر الأخيرة للسيارة والكريدت، فقامت شركة التمويل بحجز السيارة وبيعها بدون علمي وقامت بتقديم شيك الضمان إلى الشرطة ووضعوا المبلغ ٥٥٠٠٠ درهم. وعند سفري توقفت وتحولت إلى شرطة دبي وحكموا علي بمبلغ ٥٠٠٠ آلاف درهم فدفعتهم. واليوم بعد مضي ٦ أشهر اتصلو بي لتحصيل الديون وهددوني إذا لم أدفع ١٠٠٠٠٠ ألف، سوف يرفعون علي قضية مدنية. أرجوكم، هل يوجد حل؟

Q: Dear Ma'am, I have a credit card from a finance company and last 10 months I didn't pay. Now, the balance showing above 110,000 and they are sending messages that they will submit my security cheque. If they submit the cheque, what are the procedures and how much I need to pay?

Q: Hello, I had a credit card from a bank for AED 12,000. I failed to pay since I lost my job for the last 10 months. The bank stopped contacting me for 6 months. I recently found a job and I have an emergency to fly back home. Will I be stopped at the airport and how can I know if the bank filed a case against me? Thank you

س: هل صدر حقًا قانون لدفع غرامة بدل الشيك المرتجع؟ وهل هناك تحديد لقيمة الشيك الذي تُقبَل الغرامة عنه؟ علمًا بأن الشيك صادر من شركة وليس شخصي.

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.

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.

يلعب الشيك دوراً مهماً في الحياة اليومية سواء في ميدان المعاملات التجارية أو في ميدان المعلامات المدنية باعتباره أداة وفاء والتزام تحل محل النقود في التعامل بين الافراد. ونظراً لهذه الأهمية فقد أصبح أكثر الأوراق التجارية انتشاراً وتداولاً بين الناس، على الرغم من حداثته نوعاً ما. فالشيك لم يبق كما كان في بداية عهده أداة لسحب الودائع المصرفية لحساب الساحب ذاته، بل أصبح أداة وفاء تحل محل النقود سواء على النطاق الداخلي بالنسبة للمعاملات التي يقوم بها الأفراد داخل الدولة فحسب وزادت أهميته.

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.

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.

The law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.

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.