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Can your bank loan affect your end of service benefits?
Q: If you are fired from your job of 10 years and you have a loan, what will happen with UAE law? Can you lose your end of service benefits?
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Aug 10, 2017
Bank account of a terminated employee
Q: I need your assistance, please. I believe that the Central Bank of the UAE may freeze the bank account of a terminated employee. We have a client in the UAE and need to know what the employer’s obligation is to inform the bank when an employee’s contract is being terminated. Is there a specific format that must be used to inform the bank or what is expected of the employer?
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May 16, 2016
Termination of employment - bank accounts
Q: My final settlement was sent to my Bank. They have put it on hold because I have a personal loan and a car loan until I provide a salary transfer letter from my new employer and a stamped visa page on my passport. I needed a cash advance so I suggested that I will pay off the balance of my personal loan that they can release the settlement in my account. They refused saying that they can't because of the car loan. I argued that the car loan is against a guarantee cheque and not against the salary transfer letter from my previous employer. They still refused to release the money. What are my legal rights? Is there any procedures I can take to get my settlement now as the visa process is taking long and I don't know when I will get it... Please help... Sincerely, Nawar  
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May 1, 2016
Request to the bank for releasing the EOSB held against a loan
Q: My contract was terminated after four years of service and I have received the End of Service payment to my bank account, but this amount was immediately blocked. I have contacted the bank to release the amount. I also said that I want to continue normal payments of loan instalments. I still have about 24 monthly payments, but the payment is only for 9. Can the bank agree that I make instalment payments if I am no longer in the UAE?
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Aug 31, 2018
Bank’s reaction to end of service payment upon changing job
Q: Can a bank freeze my gratuity if my new company is not listed?
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Oct 4, 2018
Payment of an outstanding loan from abroad after leaving
Q: Hi Hari, My name is P. I have a question for you, hoping a better clarification from you. I am working in the UAE and I have taken a loan of AED 150,000 from a bank. Till date, I have paid my monthly dues without fail. I am planning to change my job outside the UAE. What are the steps that I should follow? Is it possible for me to pay my loan amount in the UAE while staying outside the UAE? Kindly advice.
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Sep 17, 2019
Leaving the UAE and paying bank debts from another country
Q: Hi Ma'am, I am an Indian National living in the UAE. I have 1 credit card, I do not have any loan and I also do not have any EMI to pay but I have AED 25000 due to pay for my credit card. As soon as my salary is credited as the final salary in my bank account, will the bank file any case or inform the police to stop me before leaving Dubai? Now I got a job in Saudi Arabia and I am unable to pay all the money at once. My question is that, can I leave the UAE without paying the due amount? Will it create any issue at the airport while leaving to India on the final exit? If I want to go to India without informing the bank and without paying the due amount, will the Dubai police stop me at the immigration at Dubai Airport while leaving to India on the final exit?
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Oct 6, 2019
Taking action against a bank for freezing the EOSB without consent
Q: Good morning, I work for the MOE. I changed the emirate and they paid out my End of Service Benefit. My salary is still the same and I am still employed by the MOE. My bank put a freeze on my EOSB and subsequently used it to pay down my loan and credit card. Their reason was that my debt ratio was too high. I did not give them permission to do that but they did it anyway. I have never been late in paying them and I have been a customer since 2016. My question is, can the bank legally do that? Do I have to file a case against them? Also, how to stop the bank from taking my entire salary to pay down their debt if they can take my EOSB even though I am still working with the same company; with the same salary being deposited into the bank? Please advise!
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Mar 21, 2020
Legal blog
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The Consequences of Job Loss and Defaulting on Financial Liabilities
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
Laws & Regulations
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Federal Law No. (8) of 1980 Concerning the Regulation of Labor Relations
The provisions of this Law, known as "UAE Labour Law", govern the relationship between employers and employees and other labour matters in the United Arab Emirates. There are special labour related regulations applicable in some of the free zones in the UAE.
Apr 20, 1980
Federal Decree-Law No. (33) of 2021 On the Regulation of Labor Relations
The provisions of this Decree-Law, known as "New UAE Labor Law", govern labour relations in the private sector of the United Arab Emirates. The New Labor Law repeals the previous UAE Labor Law (Federal Law No. (8) of 1980).
Sep 20, 2021
Naser Muhyealdeen
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Deducting visa costs when resigning after more than a year of work
Hello sir, I have been working for 1 year and 6 months in a restaurant without a vacation. Due to my health, I had resigned, and when receiving my payment, they had deducted 4200 for the visa. Please I want to know if it is allowed to pay for the visa. Thank you!
Mar 15, 2021
Is it legal to invest in a crowdfunding outside the UAE?
Regarding investment in a UK-based crowdfunding platform from the UAE I am a UAE (Dubai) resident. Is it legal to invest in a startup that is based in Cayman Island and London through UK based crowdfunding platform (crowdcube.com) from the UAE? Looking for precious advice. Thank you!
Mar 9, 2021
Filing a case for wrongfully encashing a guarantee cheque
3 years back I had given a post-dated cheque as a guarantee to a person whom I had to pay the money. In 3 years time before the due date of the post-dated cheque, I had paid him partially by cash and cheque for which I have his signed vouchers and the PDC cheque details. He was supposed to return back my PDC on the due date and collect the balance amount that was around AED 4000. The cheque value was AED 115,000. On the due date, he demanded more money from me and when I refused, he bounced the cheque and filed a cheque bounce case. He said I gave him a cheque of a closed bank account when he asked the money back and claimed the full amount. I was arrested and had to pay the fine for the cheque bounce case. With the agreement I have with me and the payment voucher proof, can I sue him back for the false accusation? And can I claim compensation for spoiling my name and image?
Dec 13, 2019
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