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
801
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
1829
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
481
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
7050
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
47923
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
148437
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
75346
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
3538

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What can I do in case of odometer tampering, false ownership information, and a flood-damaged vehicle?
What is the procedure for filing a fraud complaint about these issues?
Mar 21, 2025
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Is the compensation for notice period deducted on the basis of full salary or basic salary? 0
Hello,
I understand that if anyone wishes to resign without serving their full notice period, they are supposed to compensate the employer for the remaining time that they didn't serve the notice, also known as "notice Compensation".
Is this notice compensation deducted based on the full salary or on the basic salary?
Mar 21, 2025
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I applied for immigration to Canada via an agency in Dubai without any progress. Can I claim refund? 0
I'm looking for advice- I had applied for immigration service to Canada via an agency in Dubai, however, it's been a few months and there is no positive reply from their end.
They keep giving evasive answers, such as my job role is not coming up, or the Government has put the applications on hold, or other things which are totally different from the picture painted before availing their service.
The contract mentions this about refund: "The company is eligible to provide a refund if any wrong information is provided during our advocacy while discussing the case with the consultant."
My Question is- are such immigration consultancies legal in the UAE?
Is it legal for them to provide such services?
And am I eligible for a refund if not for damage claims (for wasting my time with their inefficient services)?
Apr 17, 2025
2
Can a registered company work with a freelancer who does not have a freelancer permit? 0
Hello,
Can a registered company work with a freelancer who does not have a freelancer permit?
At the same time, they are employed by another company.
Mar 21, 2025
59
Can I hold the delivery of goods to a buyer outside the UAE if he defaulted on payment? 0
I, as a UAE-based Seller, entered a sales agreement with a KSA-based Buyer. The Buyer defaulted on the LC payment, breaching the contract.
The goods are stuck at the port as they need original documents, which I am holding to recover the outstanding balance.
They later made a partial payment but now threaten to cash the PBG (UAE bank) I provided if don't release the document.
The contract mandates DIAC arbitration but lacks a governing law clause. I need advice on:
1. Which law applies to this dispute?
2. Where can I seek an injunction to prevent PBG encashment, given the Buyer’s bad faith and breach? Or should I send a letter to their bank with the brief above?
Kindly advise.
Mar 21, 2025
49

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6 6 answers •
View allUAE labor case hearing: Docs and lawyer's importance? 0
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
140
اتهام موظف بالاختلاس بعد الاستقالة وتسليم العهدة 0
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
3487
Leaking ceiling from negligent neighbor: Legal options and seeking resolution 0
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
595
Buying property in Dubai: Payment options for non-UAE residents 0
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
389
Can the wife file for Khula in the UAE and will it be enforceable in India? 0
I am married for 21 years with 2 children, 18 yrs and 10 yrs, based in the UAE. We have always had a difficult relationship but since I am a working woman I do not have to depend on him financially.
Until Y 2016, his company was paying for kids’ education and accommodation so I didn’t have to worry about that. When he lost his job, that also became my responsibility.
For the past 6 years, there is no support. I do not want to be married to him anymore and would like to proceed with Khula. Will the court ask me to compensate him in any way?
The kids and nanny are under my sponsorship, will immigration require me to cancel their visa and restart the process as a divorced woman?
We are Muslim expatriates. Will the court mandate him to provide child support even if I do not ask for it?
How much time will Khula approximately take?
And if you can, guide me on the cost. If I am divorced in UAE via khula, is this valid in India too?
Feb 17, 2023
160
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