Q: I have a valid job visa in the UAE but I need to go to India for a few days on leave. My credit card repayment has some dues. Is there any travel ban for me to travel?

Q: Dear Sir, I had a credit card with a bank (Islamic card). The limit is 36k and the guarantee cheque I signed mentions the same amount 36k only. Now as I am not paying and the bank is telling me they will file a civil case and travel ban on me. I want to contest as when I took the card the charge was only 340 per month now since 2019 they increased it to 1250 per month and I paid the same until November 2022. Hence I paid the bank approx 45k. My questions are: 1. Will the bank file a civil suit for 36k? 2. Will I get a travel ban immediately? 3. Will it affect my visa transfer?

Q: Dear Lawyer, When does a travel ban come into effect once the bank files an execution case? I am the owner of a small company and have had a business loan since 2018. However, due to difficult circumstances, I have been unable to pay the installments since July 2022. The bank has informed me that they have filed an execution case against me and placed a travel ban on 27.12.2022. On the Dubai Courts website, the case status is currently listed as "Reserved." I have checked the Dubai Police website and do not see any indication of a travel ban. I am in communication with the bank and requesting their assistance in resolving the situation, as I intend to repay the loan but I need some grace from their end. In the meantime, I would like to know if the travel ban is in effect upon filing an execution case by the bank and if I am able to renew my visa and my family's visas in this situation. Your guidance would be greatly appreciated, as I am in a state of distress and have my wife and children here.

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.