Q: Good day, l used to have a credit card with a bank then l moved out of the UAE but continued paying although sometimes l delayed payments due to the transfers from one country to another. Then one time 5 years ago, l was in transit through Dubai airport, and l was arrested and detained for a whole night. But at the police station, they asked me to pay AED 20,000 if l wanted to be released from prison and continue with my journey. l asked family members to assist me. They paid the amount that was required and l was released. Only to find out when l got to my destination that the bank was still sending more emails for me to keep paying. From that time, l tried to inform them that l paid money to be released and the amount that l owed the bank was only AED 40,000. Now my question is: Will l have any issues again if l try to visit the UAE or just use it as a transit country?

Q: I currently have two credit cards with a debt in the UAE and have left the country due to my daughter’s health. I have been in contact with the bank and tried to make the payments. I have emailed with no response. I finally received a response from the collection department after many emails. I told them I wanted to make the payment and asked how. They gave a method so I made the first payment and said I would continue to make a monthly payment. Before the next payment was due, I received another email saying they were going to open a legal case against me for not making any payments. I emailed again and sent the proof of payment. I asked if I could still make the monthly payments and I never received a reply. Then I get another email saying they presented my cheque, which bounced, and they were going to seek further legal action in the UAE and country of residence. I emailed again to sort this issue but haven’t received a reply. What are my options as I want to clear this debt?

Q: My friend is telling me that everything is now connected with the Emirates ID. And once it is cancelled or your visa is cancelled, all connected banks will get a notification, and the bank will cross-check in their system regarding that person's dues, fines, loans. If they found it, they will take immediate action in order to stop that person from leaving the UAE, is this true? Is there any reality in this fact? I do not have any loan, I am paying my monthly minimum credit card payment. Does the credit card bank get to know that I am leaving because my visa/emirates ID is now cancelled? Will they stop me at the airport?

With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.

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.

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 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 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.