Questions & Answers
Questions & Answers
6 available 6 • View allHow to know if you have a case or travel ban for an old bank debt and when does it drop?
2
Q: Hi Alona,
I had some loans from banks in 2015 which amounted to 400k from 3 banks. Now with the 2022 rule, I checked and there is no criminal case or travel ban against me which is a relief.
I plan to re-enter Dubai but I fear that the banks put again another case against me for these old debts based on the new commercial/civil law. Is the debt finished?
I don't want to get stuck in Dubai for old loans. Kindly advise on my possible course of action going forward.

Oct 6, 2022
1223
What is the limitation period that a bank has to claim bank loan default by a company?
1
Q: What is the limitation period that a bank has to claim bank loan default by a company?
A company loaned money from the bank and defaulted in the payment of return.
How long does a bank have to claim the amount in the UAE?
In the civil code, it's 15 years and in the commercial code, it's 10 years.
What would apply on behalf of the bank?
Kindly revert.
Thank you

Nov 9, 2022
808
Can you come back to the UAE if you have a bank debt from eleven years?


0
Q: Sir,
My friend used a credit card, purchased with 28,000 dirhams, and went to India without paying for it.
This was in 2011. What are the consequences now if he wants to come back to the UAE?
Kindly advise.



Oct 14, 2022
355
A cheque has passed its due date by over a year. What options do I have?




1
Q: Hello,
I have a cheque from someone, but it has passed its due date, and I did not take it to the bank. It has been more than a year now. What options do I have?
Can I take it to the bank, and if it bounces, can I file an execution, or do I have to file a civil claim?
If a civil claim, on what grounds can it be?





+3
May 22, 2024
404
How long is the prescription period for a financial crime, such as a bounced cheque?




1
Q: Dear Sir/Madam,
How long is the prescription period for a financial crime, such as a bounced cheque?
I have heard that it’s ten years. Is this correct?
Thank you!





May 29, 2024
123
Does it matter whether the cheque was issued to an individual or a company?




1
Q: Hello,
What legal recourse is available in the UAE for a cheque bounce?
Does it matter whether the cheque was issued to an individual or a company?
Does the value of the cheque affect the legal action or process?





+5
Jan 6, 2025
122
Legal blog
2 available 2 • 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
222609
Failing to Honour Bounced Cheques in Loans and Other Transactions 8
An interview-format article covering the topic of loans and bounced cheques in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.
Jan 15, 2020
7113
Laws & Regulations
3 available 3 • View allFederal Law No. (18) of 1993 Issuing the Commercial Transactions Law 19
This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.
Sep 7, 1993
33058
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
148521
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
3550

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Other answers by
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
7
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
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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
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Can my old employer sue me for a non-compete clause that's only in the offer letter? 0
Hi,
I was previously working in a company based in DMCC and have now moved to Hamriyah Free Zone. In my DMCC contract, there was no mention of a non-compete, but my offer letter includes one.
Now, in my new organization, if my old customers start to contact me for business, am I liable for any legal action from my previous employer?
Apr 28, 2025
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