Questions & Answers
Questions & Answers
5 available 5 • View allThe way of settling bank loan installments after moving to less paid job 
0
Q: I lost my job in six months. I got a new job but with less and delayed salary. I have a bank loan and I didn't pay for it in 6 months and pay only partially if I have money.
They deposited my cheque and I paid a penalty to the police station. Now, the bank called me again and informed me that they will register me for a civil case.
Please advise, if they pursued the civil case against me, what things should I know and do?
Thank you so much.

Aug 16, 2021
188
What to do if you lose job and have a pending bank loan
104
Q: Dear Madam,
I got terminated from my company & I have a bank loan around AED 75000.
What do I have to do the next step?
Please advise me (ASAP)
Best regards

Jan 9, 2019
38808
Responding to a loan case by the bank after losing job due to COVID-19
0
Q: The bank filed the civil case due to nonpayment of the personal loan and they summited a memo with all details of the transaction paid and the unpaid and remaining total amounts.
I lost my job due to Covid-19 in April 2020 and still seeking for a job, and now I have to submit the answer to the memo but I don't have money also to pay.
What should I write in the memo and how can I convince them and say once I will get a job and start again I will pay the bank?
I have a termination letter and after that only I stopped payment.
Please advise.
(The case is filed in Sharjah)

Dec 29, 2020
420
Can the bank come after me in my home country for an unpaid credit card?




2
Q: I have an unpaid credit card bill in the UAE and I left.
Will they come after me to recover that?





Mar 5, 2024
1821
Is it possible to leave the UAE and keep paying credit card installments from outside?
0
Q: Dear Seniors,
I hope everyone is doing well.
I have a question regarding the credit card.
I am currently employed at a company and I have an overdue credit card balance that I am paying off in installments.
I got a new job in my country and I want to pay the rest of installments from home. Now my visa is about to be canceled.
Do I need to pay all the amount at once otherwise I can't out from the UAE?
Or can I go and pay from outside the country?
Could you please help me with this inquiry?
Thank you in advance for your assistance.

Jul 31, 2023
218
Legal blog
1 available 1 • View allThe 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
18949
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
148526
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
3557

Other answers by
Can I claim compensation for emotional distress and pregnancy loss? 0
Good afternoon,
A gentleman insulted me severely over the phone during a delicate moment in my life when I was pregnant. He conveyed harsh messages through chat, causing me to feel sick, panicked, and scared.
Unfortunately, I lost my baby after this incident. I have reported the matter to the police and won the case, leading to the confiscation of his phone and imposition of a fine.
However, I believe I deserve compensation for the mistreatment. Can I pursue damages, and if so, what amount can I claim for my loss and damage?
Dec 4, 2023
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Can my company make my position redundant and hire somebody else after I was terminated? 1
My company terminated my employment because it was making the position I held redundant.
I was advised that in no way was this performance-related but purely a restructuring exercise.
However, within 1 month of leaving the company, they have externally recruited another person to fill my exact position, with the same job title, that they made redundant.
Whilst I believe that this is unethical behavior, could anyone tell me if this is legal within the UAE or should I lodge a complaint for unfair dismissal?
Nov 8, 2023
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إمكانية إزالة الحظر بسبب فيروس نقص المناعة والعودة إلى الإمارات 2
مرحبًا،
أثناء التقديم للإقامة في دولة الإمارات، تم تشخيصي واكتشاف إصابتي بفيروس نقص المناعة المكتسبة، ومن ثَم تم ترحيلي إلى بلدي.
التزمت بجميع الأدوية والآن نسبة الحمل الڤيروسي في دمي صفر.
مع العلم أنني ملتزم بأخذ العلاج.
هل يمكنني إزالة الحظر الدائم الذي فُرض عليّ واستخراج ڤيزا زيارة أو إقامة من جديد؟
Oct 30, 2023
313
Is the rental valuation certificate only valid for vacant properties? 1
Hi,
Is the rental valuation certificate only valid for vacant properties?
My landlord says that RERA is not the standard and that the valuation certificate prevails.
Oct 29, 2023
147
هل تُطبق عقوبة عند الاستقالة والانتقال إلى وظيفة أخرى إذا لم يمر على الإقامة 6 أشهر؟ 2
السلام عليكم،
أعمل في شركة منذ سنة ونصف. في البداية حصلت على عرض عمل ولكن لم تصدر إقامه لوجود حظر على الشركة.
صدرت منذ 4 أشهر إقامة لي على شركة أخرى يملكها صاحب الشركة التي أعمل بها بسبب الحظر على الشركة التي أعمل بها، ولكن لم أحصل على شهادة عدم ممانعة (إعارة).
الآن أريد تقديم استقالتي والانتقال إلى وظيفة جديدة.
ما الإجراءات؟ وهل تُطبّق عقوبات ضدي لأنني لم أكمل 6 أشهر على الإقامة أو أي عقوبات أخرى؟
Oct 25, 2023
182

Premium
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My previous organization has not yet released EOSB because I contacted a client. Is this legal? 0
I recently joined a new organization in the Hamriyah Free Zone, and my previous organization has not released my end-of-service benefits.
The HR has instructed the finance team not to do so because I had contacted one of their clients.
In my DMCC contract, there is no Non-Compete clause, but the offer letter has one, and now they are not releasing the end-of-service.
Is this legal? What are my rights?
Apr 30, 2025
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Can I renew my trade license and visa if I have multiple cheque execution cases filed against me? 0
Hello,
I have multiple cheque execution cases filed against me due to financial strains last year.
My trade license and visa will expire next month, along with my Emirates ID.
Is it possible for me to renew my license and visa along with EID prior to settling the execution cases?
The trade license and visa were issued by the free zone authority.
I look forward to your response.
Thanks.
May 1, 2025
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How to file a case against my former company for unpaid salary I was not on their visa? 0
Dear Legal Advice Middle East,
I hope you are well.
I am seeking legal advice regarding an unpaid salary issue with my former employer, [-----]2 LLC. I was employed with them from December 4, 2024, to January 7, 2025, on a monthly salary of 5,000 AED.
However, I only received a partial payment of 2,473 AED on February 24, 2025. The remaining 2,527 AED is still unpaid.
I submitted a complaint to MOHRE on March 2, 2025, but I am unable to proceed further through their official channels.
This is because I was working under the visa of my previous employer, [---] LLC, and not under [----]’s sponsorship.
As a result, I do not meet the criteria to file a labor complaint via the MOHRE app or hotline.
Given this situation, I would appreciate your guidance on how I can legally pursue the recovery of my remaining salary, considering the complications related to my visa status during the employment.
Apr 30, 2025
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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
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What can my wife do if the company marked her as single and denied her maternity coverage? 0
Hello,
My wife's company renewed their insurance and registered my wife as single, so the maternity benefits are not covered, even though we were already married before she joined the company.
She is now 35 weeks pregnant. What should we do?
Apr 29, 2025
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