Questions & Answers
Questions & Answers
5 available 5 • View allLoan settlement with a bank after losing job


7
Q: I've taken a loan for 5 years from a bank in Dubai. I've paid for 2.5 years, then I've lost my job and had to leave the country.
Until now I can't find a job. I couldn't pay the loan instalment for 8 months.
The bank said that they've already written off the loan and is threatening to file a police case. The remaining loan is AED 340k. All I have now is only 150k.
I'm afraid that I pay what I have, then stop paying. And then the bank will file a police report. What should I do?
Is it possible to reach a deal with the bank to pay the 150k and they close the case and give me back the cheques?
If they're going to file a police case anyway, then it's better that I don't pay the 150k. It'll be a lose-lose situation for me and the bank.
I want to hire a lawyer to help me close this issue. And explain to me what are my options and how much will his service cost me.



Nov 24, 2019
3248
The legal consequences of defaulting on a bank loan
1
Q: Dear Sir/Madam,
I have a loan of AED 400,000 from a bank in Dubai. I got a termination and October 2017 was my last month at work.
The bank made a case to the police for the balance amount which is AED 2500,000 as per their record. They stopped my visa procedures at my new company.
Can you advise what to do?

Mar 19, 2018
573
Checking a travel ban due to outstanding loan before entering the UAE

1
Q: My friend has left the UAE in 2018 without closing his personal loan (28000 balance). He got an interview chance there and would like to go back.
He is ready to repay the amount once he gets the job. Is there any ban on him?
He needs to close one credit card payment also which is pending.
Please help


Aug 23, 2019
480
If you had a case for defaulting on a loan and resolved it, how to clear it from the database?




0
Q: Hello,
I have a question.
My husband had a loan 15 years ago, he had difficulty paying this loan, and the bank opened a case, which was solved, and he paid the full loan.
He is still in Dubai and has a good work position.
How is it possible to remove the solved bank case from the database to have the possibility of getting the credit card and loan?
Thank you.





+2
Sep 16, 2024
109
I paid my landlord in cash in advance and he deposited my cheque. How to correct my AECB score?




0
Q: I paid my landlord in cash 10 days in advance and he still deposited my rent cheque. My perfect AECB score maintained for 9 years is ruined.
How can AECB be reversed and compensated if AECB cannot be corrected?
The cheque value is AED 16,250 and I have sufficient evidence + receipt from the landlord.





+3
Dec 5, 2024
71
Laws & Regulations
2 available 2 • View allFederal 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
148521
Federal 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
47948

Other answers by
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.
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
704
How can the heirs of a deceased person distribute his shares if there is a minor? 1
My father died recently. We are Muslim residents in Dubai. I have siblings including a minor who is 16 years old. My father has land and vehicles under his name.
If I am applying for inheritance, does the minor need to have a share in ALL the properties and vehicles or can she be given a particular property/vehicle?
Secondly, if we want the land to be in her name, and she manages it (like renting and bank), does it require an adult?
Can the vehicles be transferred to someone else’s name without including her?
Your guidance will be very much appreciated.
Oct 26, 2023
138
Senior executive unfairly dismissed: How much compensation to claim? 2
Dear Sir/Madam,
I have been unfairly dismissed (it's personal on their end) and have been given only two months' salary apart from the compulsory gratuity and notice pay.
I would like to claim more than two months as I am a senior executive (Director).
Up to how much should I claim, and would this be a realistic amount for me to "win"?
Oct 16, 2023
145
Can we file a claim against an employee if he caused a financial loss to the company? 2
There was a legal action against an employee who failed to participate in an international event in Saudi Arabia due to a family issue that resulted in a travel ban, which in turn led to the non-signing of an AED 100,000 deal resulting in a loss to the company.
- What legal grounds exist for the employer to pursue legal action against the employee in this scenario?
- Does UAE labor law provide any specific guidance or remedies for such situations?
- What are the desired outcomes or remedies the employer can seek through legal action?
- Are there any potential legal consequences or liabilities for the employer in pursuing this case?
- What documentation and evidence are needed to support the employer's case?
Sep 14, 2023
959
What are my options if my husband is refusing to pay child support? 1
Dear Sir/Madam,
What are the charges to open an execution file in Sharjah for a divorce case and how much time will it take to execute the court order?
My husband told the court that he does not have money to pay for me and my daughter's expenses because he is earning a minimum amount in which he can only survive.
In that case, what can I do?
He closed all his bank accounts and sent money to his parents in India. He also told me that he will show in court that he does not have a job or money, so the court or police cannot do anything to him.
Can you please guide me on what I can do in this case? I do not have any proof of his salary or bank account because he was not informing me about anything related to his financial matters.
In fact, he was forcing me to ask my parents to send money to us. Because of no proof, the court agreed with him and rejected my appeal. I do not have a job and I am struggling for basic expenses.
Can I request the court to inquire about his gratuity and end of service?
Or can the court ask him to submit proof of the money that he received from his company, as he was working for 30 years in the same company?
Sep 13, 2023
342

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Employer agreed to settle before MOHRE. What if they don’t pay the promised amount? 0
Hello,
I already have a dispute order with MOHRE. Then my employer became willing to settle the case.
What should I do in case they do not follow through with the promised amount to pay?
Apr 29, 2025
7
Despite a waiver, the case is still with the public prosecution. Can I travel? 0
Hello,
I had a case regarding fraud by technical means, and we did a tanazul.
It was attested and submitted to the court, but the case still hasn’t been dropped and is now with the public prosecution.
What do I do now, as I need to travel urgently?
Apr 28, 2025
11
How can we claim our money back if the cheque we received have bounced for insufficient funds? 0
We received a cheque which has now bounced. We have tried for over a month and a half now to get a new cheque from the person, and every day he says the next day.
We need the money now. We have been to the police station, and they said they can not do anything as the reason the cheque bounced is "Insufficient funds."
We have been to Al Barsha - Dubai Courts, and they said there is nothing they can do about it.
We are not sure what we can do. We need the money asap to pay our kids' school fees, let alone all the interest we have lost.
Apr 28, 2025
34
Who is supposed to pay for the transfer fee, the employee or the employer? 0
Hello
I joined my new company on February 26, 2025. Upon joining the new company, I asked HR if it was free to join the company, and she said yes.
After working with them for 1 month, I experienced a salary delay, and I had to go to the office to ask why there was a delay in my salary.
That is when the HR told me she deducted my whole salary to recover the transfer fee.
Now my question is, who is supposed to pay for the transfer fee, the employee or the employer?
Apr 28, 2025
18
Is it possible for a foreigner to get a divorce in Dubai? 0
Is it possible for a foreigner to get a divorce here in Dubai?
Apr 28, 2025
14
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