Questions & Answers
Questions & Answers
3 available 3 • View allThe available options to manage a loan from outside the UAE
1
Q: Dear sir,
I have taken a loan from a bank, but I had to leave for my job. I am in the UK now.
I asked the bank to reduce the monthly installment as I have a relatively lesser salary here and can pay a limited amount every month, but the bank collection department refused my request and threatened to file a police case if I will not pay. How can I manage it?
I would be thankful for your response.

Jan 24, 2020
850
What happens when the bank threatens with a civil case for outstanding loan?

6
Q: Hi
I have a loan with a bank amounting to AED 165,000 but due to redundancy, I lost my job and was not able to pay the installment.
When I got the gratuity, the bank deducted the amount of AED 51,000 at once from the total outstanding. Today, almost three months have passed, and now they are threatening me to file a civil case for the remaining amount of AED 112,000.
Can you please guide me on what actions they can take?
In case of a civil case, how much fine I need to pay?
And for the mentioned amount, do I have to face a jail term?


May 23, 2021
1891
Paying the bank or paying a fine in the police? What is the best option?

2
Q: Hi,
My husband has an existing police case in Dubai for a bounced cheque amounting to 150,000AED. He and the police agreed that he will pay the fine on Nov17.
Now, the bank Legal Lawyer talked with my husband and said that instead of paying the fine, my husband can pay the bank so that the loan will be lessened (his estimated balance is 95k), then they will withdraw the police case. We are planning to talk to them to restructure the loan.
What should be the best thing to do in this case?
Thank you so much in advance for the answers!


Oct 31, 2019
504
Legal blog
1 available 1 • View allFailing 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
7110
Laws & Regulations
4 available 4 • View allFederal Law No. (3) of 1987 Promulgating the Penal Code 29
This Law promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.
Dec 8, 1987
47948
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
148514
Federal Law No. (11) of 1992 Concerning Issuance of the Civil Procedures Code 42
The law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.
Feb 24, 1992
75380
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
3549

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How can we claim our money back if the cheque we received have bounced for insufficient funds? 0
We received a cheque which has now bounced. We have tried for over a month and a half now to get a new cheque from the person, and every day he says the next day.
We need the money now. We have been to the police station, and they said they can not do anything as the reason the cheque bounced is "Insufficient funds."
We have been to Al Barsha - Dubai Courts, and they said there is nothing they can do about it.
We are not sure what we can do. We need the money asap to pay our kids' school fees, let alone all the interest we have lost.
Apr 28, 2025
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Who is supposed to pay for the transfer fee, the employee or the employer? 0
Hello
I joined my new company on February 26, 2025. Upon joining the new company, I asked HR if it was free to join the company, and she said yes.
After working with them for 1 month, I experienced a salary delay, and I had to go to the office to ask why there was a delay in my salary.
That is when the HR told me she deducted my whole salary to recover the transfer fee.
Now my question is, who is supposed to pay for the transfer fee, the employee or the employer?
Apr 28, 2025
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Is it possible for a foreigner to get a divorce in Dubai? 0
Is it possible for a foreigner to get a divorce here in Dubai?
Apr 28, 2025
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After 11 months of work, how many leave days is an employee entitled to? 0
Hello,
I want to inquire regarding my leave privileges. I am now 11 months in my company. How many leaves am I privileged to?
Based on Decree-Law No. 33 of 2021 regulating labour relations and its executive regulations, you are entitled to a paid weekly rest for not less than one day, as specified in the work contract or the work regulation.
The Council of Ministers may increase the weekly rest day stipulated in this article. The Decree-Law and its executive regulations also stipulate that you are entitled to an annual leave with full pay as follows:
- Thirty days for each year of your extended service.
- Two days per month in respect of any employee with more than six months and less than one year of service.
- Leave for parts of the last year of your service in case it is terminated before you use your annual leave balance.
Now my question is: do I have 22 days I can use? Can someone explain to me in detail?
Thank you!
Apr 28, 2025
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Can I sell branded replica watches online, not in a physical store? 0
Hello,
Can I sell branded replica watches online, on Facebook Marketplace, etc.?
Not in a physical store, just online.
Apr 27, 2025
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UAE labor case hearing: Docs and lawyer's importance? 1
Hi,
I have my first hearing for a labor case in 2 days. Do I need to submit any additional documents or files before the hearing?
If so, what are the procedures?
How important is it to submit a memorandum?
Also, how important is a lawyer in this scenario?
Are there any pro bono lawyers in the UAE?
Mar 7, 2023
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اتهام موظف بالاختلاس بعد الاستقالة وتسليم العهدة 2
السلام عليكم،
اتهام الموظف بعد تقديم الاستقالة.
هل يحق لجهة العمل مقاضاة موظف بعد استقالته وحصوله على إخلاء الطرف وتسليم ما كان في عهدته لزميل آخر حتى اكتُشف تلاعب بالأرصدة في عهدة الموظف المستقيل؟
حدث ذلك رغم تسليم العهدة بشكل سليم وقت الاستقالة.
Feb 23, 2023
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Leaking ceiling from negligent neighbor: Legal options and seeking resolution 1
Hi,
Hope you can guide me!
We have a leaking ceiling in our apartment due to our neighbor above us who has failed to make proper repairs.
The ceiling is badly damaged, and the representative of the accused party does not want to commit to bearing the expenses for the repairs.
What legal action can we take?
They keep ignoring us, and Nakheel is not mediating our complaint.
What authority should we approach for this kind of dispute?
Also, how can I compel the representative to disclose their landlord's contact information so that we may forward our complaint to them?
Please assist us!
Feb 22, 2023
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Buying property in Dubai: Payment options for non-UAE residents 2
Dear Sir/Madam,
I am from Italy and am currently in the process of buying a property in Dubai.
To arrange payment, I need to pay the seller via the manager's cheque. However, I am experiencing difficulties opening a local bank account as I am not a UAE resident.
The money for the property in Dubai comes from the sale of an apartment in Europe, but I am unable to open a bank account because I do not have a salary certificate.
Therefore, I have two options:
- Transfer the money to my girlfriend's bank account in Dubai and use her account to produce the manager's cheque in the name of the seller. The property will be 100% in my name.
- Use a Dubai law firm to arrange payment.
What is your recommendation?
Feb 19, 2023
404
المطالبة بالمديونيات القديمة بعد تغيير اسم الشركة والمُلّاك 1
السلام عليكم،
منشأة تجارية في الإمارات (أبوظبي) قام صاحبها ببيعها لملّاك جدد وهم غيروا اسمها التجاري.
هل بإمكان الشركات والبنوك المطالبة بمديونياتهم القديمة بعد تغيير الاسم والمُلّاك؟
ومن يتحمل العقبات إن رفعوا دعوى قضائية؟
Feb 15, 2023
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