Questions & Answers
Questions & Answers
4 available 4 • View allHow can I convince the bank of my request to pay the loan interest in instalments?

0
Q: I did not pay my loan for more than six months due to Corona in Dubai and job loss. Meanwhile, the bank put against me a civil case, a criminal case, and a travel ban.
After I got a job, I negotiated with the bank and paid a lump sum, and revised the loan into two parts (one without interest and one balance as per schedule).
As of date, I paid the loan without interest money. I requested the bank to lift the travel ban (criminal case solved) and I am ready to continue the EMI, but the bank is not.
How to resolve this?
I need to travel to see my sick parents.


Dec 14, 2022
178
Settlement of bank liabilities and ensuring clearance
3
Q: I defaulted on a personal loan due to loss of job in 2016. Then via my friend and transfer of POA filed case for settlement. I paid money to a friend for settlement.
Wanted to understand if I settle my case through court does the bank give a clearance letter?
My friend has submitted me an immigration clearance letter and also PCC.
Should I consider my self clear from all legal liabilities on the basis of immigration clearance and PCC?
Can the bank re-apply for the case against me in future? How can I close my bank account?
Are the immigration ban and travel ban the same?
What should I do to re-assure that everything is legally right?

Apr 18, 2019
3406
Defaulting on the payment of a loan EMI and legal consequences
1
Q: Dear Mr Hari,
Good day.
I took a loan from a bank one year back for AED 64,000 and now I have an outstanding amount of AED 48,500 which I am now unable to pay due to the loss of employment.
I have also missed 1 EMI until now and have not paid this EMI for the past 3 months, however, I somehow managed to pay all the EMIs until now but I am unable to pay any further.
Kindly let me know if the bank can file a criminal case against me or there are any new UAE rules according to which I only have to pay a certain fine.
Also, as I lost my job recently I am on a visit visa. Kindly let me know if I will be facing a travel ban if I don't pay? How to deal with the situation?

Mar 10, 2019
1422
How can I apply for a Dubai Courts fee deferment and fill out the form online?

0
Q: Hello,
I applied for a Dubai Courts fee deferment but they asked me to fill out a form.
Can anyone tell me if I can get the form online or if anyone has it, can they share it?
Thanks


Jun 10, 2024
72
Legal blog
3 available 3 • 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
18880
UAE Travel Ban: What You Need to Know 163
The UAE travel ban may be imposed on a person on various grounds, for instance, as the result of criminal offences, unpaid loans, breach of immigration laws or family matters. Implications of such a ban can be financially severe and daunting for the affected person. This article aims to give readers a clear understanding of what is the UAE travel ban, what are the grounds and procedures for its imposition and removal, how to check if the person is banned from travelling and other related topics.
May 6, 2024
135989
Bounced 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
221898
Laws & Regulations
2 available 2 • View allFederal 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
3527
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
148341

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Other answers by
3180 3180 answers •
View allHow to file an online defamation case from the Philippines against someone in Dubai? 0
Hello,
I'm currently looking for legal advice regarding an online defamation case. I am a Filipino citizen currently residing in the Philippines. The person I want to file a complaint against is also a Filipino citizen and is currently based in Dubai.
I have already sought legal consultation, but it cost me a lot for just a simple session. Unfortunately, I don’t think I can afford to proceed with the fees required for sending a warning or demand letter to the person I’m complaining about.
I would really appreciate any help, guidance, or information about possible free or low-cost legal services.
Thank you for your time!
Apr 11, 2025
63
What does Cabinet Resolution No. 1 of 2022 mean with exempting supervisory roles from the provisions of the Labour Law? 0
Dear colleagues,
According to Article 15 of Cabinet Resolution No. 1 of 2022 (“Executive Regulations”), employees occupying supervisory roles are exempt from the provisions of the Labour Law and the Executive Regulations in relation to maximum working hours only if they possess powers equivalent to those of the employer.
Could you please clarify what is meant by "if they possess powers equivalent to those of the employer"?
Currently, we have heads of departments who report to the directors. Will they be eligible for overtime?
Also, those who have a POA to sign contracts will they be eligible?
Or, those who temporarily replace the CEO while he is out, will they be eligible?
Apr 10, 2025
58
Can I request delaying my visa cancellation due to medical unfitness until I retake my medical test? 0
I got a work permit and moved to the UAE. I had a work permit for 2 months, which was supposed to be changed to residency. But I got medically unfit, and the company off-boarded me the same day.
They gave me a grace period of 15 days before cancelling the visa. In these 15 days, I have managed to get my test redone and am in the process now.
Can I ask my agency to let me stay till I get my reports updated, and not to cancel the visa as it's already in the legal limits?
I entered on 2 March, so my visa expired on 2 May. I have taken 1 test and the results are due by the next two weeks (between 14 April and 21 April).
Can I ask them to hold the cancellation because I am pretty sure my reports will be revised?
Apr 10, 2025
42
I have unpaid bank loan and credit cards in Dubai and got a job offer from Kuwait. Can I go there? 0
I have a bank loan in Dubai of AED 20000 and two credit cards from different banks (5000+5000), and the total is AED 30000.
The liability is in Dubai. I left Dubai 10 years ago. Now I have a job offer from Kuwait.
Can I go there?
Apr 10, 2025
91
نزاع بين شركاء مفوضين بالتوقيع على المعاملات البنكية للشركة بشأن شيك وتحويل أموال 0
زوج وزوجة، الزوجة مالكة لشركة بنسبة 50% ولديها شريك أجنبي يملك بنسبة 50%. الشريك مخول بالتوقيع في كافة المعاملات البنكية للشركة والزوجة كذلك لها ذات الصلاحية.
بعدها، غاب الشريك الأجنبي عن الشركة وسافر. ومازالت الشركة نشطة والعمال لايستلمون رواتبهم والشريك قام بتحويل جميع أموال الشركة إلى حسابه الخاص دون علم الشريك الآخر.
ثم تحصلت الزوجة الشريكة على شيك، فقام الشريك الأجنبي بفتح بلاغ خيانة أمانة واستلم زوجها الشيك.
فما هو الحل القانوني من ناحية جزائية وتجارية؟
Mar 27, 2025
64

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115 115 answers •
View allماذا يحدث بعد إصدار قرار الحجز في حالة عدم وجود حسابات أو أموال للمنفذ ضده؟ 0
السلام عليكم،
ماذا يعني اتخاذ قرار الحجز التنفيذي على الأموال والحسابات والتواصل مع البنك المركزي في قضية تنفيذ للمنفذ في أبو ظبي؟ مضى على الإعلان ٨ أيام ولم يصلني المبلغ المنفذ به بعد.
ما الإجراء الذي يتخذه القضاء في هذه الحالة بعد ذلك في حال عدم وجود حسابات أو أموال للمنفذ ضده في بنوك الدولة؟ وقانونًا إلى متى أنتظر وماذا أفعل؟
Aug 16, 2022
4441
A tenant usually defaults on rent payments. How can I evict him? 0
Hi,
I have a tenant who defaulted on rent payment. His cheque bounced due to account closure. He promised cash payment but hasn't delivered.
I want to evict him. The property is in Dubai. How do I proceed legally? Appreciate step-by-step guidance according to the law.
Thank you!
Apr 26, 2024
358
Can I travel to Qatar if a collection agency told me I have a travel ban for an unpaid loan? 0
Salam,
I received an email from a company in the UAE - which is a collection agency - informing me that I had a travel ban and arrest warrant issued in the UAE for an unpaid loan a week ago.
I currently live in the US. I have sent them many emails asking them how can I pay or make installments to settle this amount of 332,430 dirhams. I am currently working with them and trying to resolve the issue.
My question is I would like to know if I travel for 5 days to Doha, Qatar in May, will I be detained or I will be ok?
I don’t believe so I just want to be sure because I will be with my family.
Thank you again.
Mar 30, 2024
568
Is it legal for debt collectors to contact the employee's workplace for defaulting on debt? 0
Is it legal for debt collectors to contact the employee's workplace when you have defaulted on your payment?
Apr 5, 2024
1008
What legal recourse should my company pursue after engaging 0
My company engaged a Dubai-based entity, registered in India, on a three-month contract for project upgrade, maintenance, and delivery.
Then they ceased communication 2 weeks before completion and failed to deliver the promised services after payment.
What legal recourse should my company pursue?
What specific legal expertise or counsel should we seek to address this breach of contract?
Apr 5, 2024
122

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151 151 answers •
View allCan I petition for immediate eviction due to tenant violations and refusal to vacate after notice? 0
Dear Lawyers,
I have a question regarding an immediate eviction petition to the Urgent Judge. The tenant did not return the apartment on 26 January 2025, despite a 12-month legal notice that ended on 25 January 2025.
The tenant rejected all gas and fire prevention maintenance for 12 months. Al-Fanar Gas submitted a report with the tenant's signature and refusal after the tenant broke the gas detector.
The apartment was sold, and the new owner gave the tenant 90 days' notice. The tenant refused to show the new owner the apartment and ran away, according to building management.
The tenant ignored the 12-month legal notice, did not return the apartment, broke the gas detector, and refused gas and fire detection system maintenance.
The deal will be voided if the new owner cannot enter the property promptly. Can I petition the Urgent Matters Judge for quick eviction based on the tenant's violations?
Jan 27, 2025
67
A contractor did waterproofing on my roof but water leaked and made damages. What can I do? 0
A contractor recently did waterproofing on my townhouse roof and confirmed a warranty of 5 years (on WhatsApp). The payment receipt and invoice are available.
In 4 months, water leaks from the roof damaged the false ceiling inside the house. When contacted, he avoids calls and delays by making some excuses.
Is there any way I can get my money back?
Dec 26, 2024
41
How can I exit a partnership linked to an expired license and accumulating fines? 0
Good Day!
I am a partner in a trading license with two other individuals. Both of them were managing the business together as a cash-based operation without a bank account, while I was working elsewhere as an employee.
Now, one of the partners has passed away, and his parents are in conflict with the remaining partner, claiming he owes them money. However, the surviving partner insists that no money is owed and that everything is settled.
The license has now expired and cannot be renewed because the deceased partner’s family is not cooperating, leading to fines due to the inability to renew it.
Additionally, the remaining partner continues to conduct the same business, occasionally purchasing items under the company name.
As I am a low-salaried individual and cannot afford court fees, is there a way to remove myself from this situation, or are there any authorities who can assist me in this matter?
I am willing to help and provide whatever is required as evidence in this case.
Please advise!
Dec 30, 2024
93
Can I finalize our divorce in the UAE while my wife is in her country? 0
Hello,
My wife and I are from two different countries (Egypt and Tunisia), and we both reside in the UAE. She recently traveled back to Tunisia, and while her residency in the UAE is still active, we are unsure if she will return.
We have agreed to divorce and do not have children. How should we proceed with the divorce process?
Does she need to be in the UAE to complete it, or can the process be handled remotely?
Jan 2, 2025
60
Can I close my LLC company and pay off all my debts and liabilities if the the license is expired? 0
Good Morning,
I want to close my company (an LLC located in Sharjah) and leave. I have personal and company liabilities which I plan to settle before I leave.
My company license ended in December 2024. Can I pay off personal debts and company liabilities without renewing the company license (including renewal of tenancy contract) in the next 2 to 3 months?
I want to avoid license renewal fees and tenancy contract associated costs since I am anyways planning to leave. Is that possible?
If so, how much time do I have?
Thanks for your advice.
Jan 6, 2025
76
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