Questions & Answers
Questions & Answers
6 available 6 • View allSettlement for a bank loan with the collection agency

1
Q: Hi Lawyers,
I have outstanding dues on my personal loan and the bank filed a case on that. I am trying to get a settlement through the debt collection agency.
They asked me to sign a financial letter for that, along with it, they need all my documents. Is this mandatory?
Is there any issue in signing the financial letter?
Is there any issue if I could not make the payment on the mentioned date?
Please advise.


Mar 11, 2020
799
Settling a car loan in court to avoid collection agency harassment
1
Q: Hello,
I had a car loan from a bank. The bank impounded it over 2 years ago. I tried to resolve it with the bank but I couldn't.
The bank sold the car, and I have never heard from them ever again. Now, a debt collection agency is calling me since December 2019 on behalf of the bank, claiming that I have to settle. The agents are RUDE and abusive; they call me a loser who can't pay bills.
I told them that I WILL NOT pay, have the bank return the car and I'll be happy to deal with them or please proceed to file a case; I would rather deal with the court than the debt collection agency.
They refused to listen to me and kept calling, harassing everyone in my office. They even called my mother and yelled. How do I deal with this?
I do NOT want to pay a single cent to this agency. I want to deal with this situation in court. What's your best advice on handling this and how can I report this kind of abuse?
Thank You!

Feb 5, 2020
1003
Defamation by an collection agency for debt recovery


2
Q: Dear Sir/Madam,
I am a UAE ex-pat. I have a debt from a bank and their collection agency is trying to chase me. I am unable to pay back because of my financial issues.
Now they are trying to defame me in my existing company and looping my employer in the emails to humiliate and defame me.
Are they legally allowed to do so?



Oct 12, 2022
551
Can I pay the fine to close a credit card if the bank asks for huge amount to settle?


0
Q: Dear Team,
I have an issue with my credit card, which was issued in 2013 and I used the same till 2018, all the payments had done on time.
Unfortunately, last time in 2018, I was troubled by a financial crisis. Due to the same, I had some amount pending on my credit card, and in 2018, I went to my home country as I lost my job.
This year, two months back, I came back to UAE. Now the bank team is asking for a huge amount for the settlement.
Could you please advise me on how to close this case with the fine by the court?



May 16, 2023
165
How to reach a settlement with the bank after the harassment of a debt collection agency?

0
Q: Hi,
I would like to ask for advice on what is the best thing to do in a settlement issue with a financial institution. I had a police case and paid a fine in Dubai Court.
Now the third party is stressing my mind sending emails to our company. I arranged money for settlement but I will not pay the whole amount that they are asking me as it is too much.
Please help me to finish this issue so I can work peacefully.
Thank you.


Jul 28, 2023
184
The debt collectors sent me a case number for a credit card debt but I could not find it. What to do?


0
Q: Hi,
I have a card balance of AED 6k. Third-party collectors messaged me on behalf of the bank that they would initiate an execution case against me and forward it to the lawyers.
They even gave me the case number. I checked in Estafser and the Dubai Police App but the case number they gave me shows not valid.
How should I know if there is an active case against me?
And from whom should I receive the message legally?
Appreciate your advice



Dec 1, 2023
188
Legal blog
2 available 2 • View allBounced Cheques in the UAE: What You Need to Know in 2024 292
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
222823
Failing to Honour Bounced Cheques in Loans and Other Transactions 8
An interview-format article covering the topic of loans and bounced cheques in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.
Jan 15, 2020
7126
Laws & Regulations
1 available 1 • 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
148548

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Hello,
The matter is whether we can file a case against an Ajman-based firm for non-shipment of cargo against the payment made to them.
They haven’t delivered the cargo nor returned the amount.
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Bought a used car with a tampered odometer. What legal steps can I take now? 0
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Can I petition for immediate eviction due to tenant violations and refusal to vacate after notice? 1
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.
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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.
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Dec 26, 2024
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How can I exit a partnership linked to an expired license and accumulating fines? 1
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
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How to claim compensation after receiving a court judgment in my favor for a car accident? 0
Good day,
I need help, please. I was involved in an accident. I was run over by a car and I was not the guilty party.
Now, I have received the judgment order from the court.
How do I submit it to claim my compensation from the guilty party?
Thank you!
May 2, 2025
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Is overtime applicable on work-from-home days under company’s policy? 0
Hello,
The company has a policy allowing employees to work from home once per week.
Now, employees are asking if overtime is applicable for those who work from home as well.
Could you please clarify?
Thank you!
May 2, 2025
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Can the landlord send me an eviction notice for non-payment despite submitting an offer and deposit at RDC? 0
I’ve lived in my building for over 4 years, with the most recent rent being AED 50,000. Each year, the management collects cheques and extra AED 2,400–2,500 cash (no receipt) for management and Ejari fees.
My contract was due for renewal on 15 Feb 2025, but management delayed, demanding a 10% rent increase even though no formal 90-day notice and the RERA index did not allow it.
After a month of excuses, the manager called on 12 March, insisted increase to 55K, and threatened eviction if I refused. When I referenced RDC, he hung up. The next day, he again made unprofessional remarks, so I decided to go with RDC.
I submitted my offer and deposit on 13th March, but the management didn’t respond. The case went to the judge on 14 April he ruled in my favor.
On 30 April, I applied for the execution of the ruling, and RDC says I can renew Ejari only on 8th May at DLD with cheques given to them.
However, on 1st May 2025, I received a notarized eviction notice for non-payment of rent and communication.
My question is, what will happen at DLD now?
May 2, 2025
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Can I resign during the probation period without serving a three-month notice to take another job? 0
I am working in the private sector, and currently I am in the probation period. I got a government job, so I submitted a one-month resignation notice.
My current company rejected my one-month notice and ordered me to serve a three-month notice (as per the contract).
I enquired with One Time Centre, and as per their advice, after one month, I can stop work and register a complaint against my company.
For this matter, how will the UAE law help me to solve it?
May 2, 2025
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Can the employer force the housmaid to work for unlimited hours without rest? 0
Hi
I'm a nanny, and at the same time, I work as a housemaid (khadama) here in the house. I work, but as I know, the nannies and housemaids have different rights, and my employer doesn't give me rest.
My work starts at 7:30 am and then finishes at 10 pm or less. It depends on whether the baby is asleep or what time they will take on me if not yet asleep. Is this right?
Also, at the time of eating, I'm still working because the baby is with me, so I just let her sit in her chair. That's how I eat.
Please answer me. I want to know my rights.
Because if I can leave during the 6-month probation, I want to take it if the employer is this kind. I don't know.
They are also expats, but they don't follow the rules of the UAE regarding a housemaid.
May 1, 2025
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