Questions & Answers
Questions & Answers
3 available 3 • View allProving the actual amount in a bank case for a personal loan 
3
Q: Dear Madam,
I took a personal loan from a bank for AED162,000/- and paid AED 139,000/-. Now, the balance is 84,000/- (with interest).
I received information that the bank has filed a case for AED 219,000/-. I did not pay the monthly EMI of AED 4,538/- for more than 6 months due to job loss.
How is the bank filing a case for 219,000/- instead of the actual amount?
What is the procedure to reply to the bank against this case?
Please advise.
Thanks and regards,
S.

Mar 26, 2019
1500
Civil case by the bank claiming cheque amount more than the original debt
0
Q: Cheque bounce cases do not end by paying a fine in the Dubai police station. Dubai civil court gives judgment in absentia for cheque amount + 12% interest.
The civil court execution department put a travel ban and you get arrested at the Dubai airport/your office/home and you stay in jail until you honor civil court judgment.
Banks do not negotiate or talk about this stage.
What to do if you do not have money to pay civil case judgment of cheque amount + 12% interest?
How to get out of this problem?

Apr 8, 2021
945
Claiming credit card dues after returning double the amount
0
Q: Hi,
I have a credit card of 30k limit. I used it fully and paid them back almost 40k extra. I have receipts for 65000 or more.
They presented the cheque in police and filed a case against me but I paid them more than their actual amount. So now what type of punishment they can give me?
The cheque amount was 100k. I want to ask you, their limit was 30k but they presented the cheque with 100k.
Isn't it illegal? And what is the procedure to get rid of this tension?
I shall be thankful to you
Best regards

Oct 23, 2019
480
Legal blog
2 available 2 • 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
7049
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
222082
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
47919
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
148424
Federal Law No. (10) of 1992 On Evidence in Civil and Commercial Transactions 14
The provisions of this law On Evidence in Civil and Commercial Transactions (Law of Evidence) govern evidence in civil and commercial disputes in the UAE.
Jan 15, 1992
19099
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
3535

Other answers by
48 48 answers •
View allCan the brokerage company of the property buyer withhold the commission of the seller's company? 0
I am writing to seek your legal expertise and advice on a pressing issue concerning a property sale transaction that my brokerage company has facilitated.
Here are the details:
Our brokerage company represented the seller in a property sale where the property was sold with an existing rental agreement in place.
As per the terms of the agreement, the rental balance was supposed to be given to the buyer, who is now the new owner of the property.
In this transaction, our company is entitled to a 40% commission, and the buyer's brokerage company is entitled to 60%.
However, the buyer's brokerage company, which has complete control over the buyer's funds, has transferred the entire 100% commission to their own account.
They are currently withholding this commission, stating that they will release it once the rental balance is paid to the buyer.
Unfortunately, we have lost contact with the buyer, as he has blocked the seller's agent, making it impossible for us to fulfill this condition.
Nov 8, 2023
130
I am a UAE national and want study law in the UK. Can I still be a lawyer in the UAE? 0
I want to be a lawyer and study law in the UK.
I am a UAE national but I am worried about studying outside the UAE and not being able to actually become a lawyer in the UAE.
Do I really need to study in the UAE to become a lawyer here?
Oct 17, 2023
315
How can I refund money I paid to an immigration agency if nothing was done? 0
Dear Sir
I applied for Canada AIPP programs from one of the consultancy agencies in Dubai in 2021, and they told me it would take 1 year for the process. Now it’s more than 2 years.
They told me they were applying for me these years but I didn’t get any response from any company, and when I asked them to tell me where they applied, they told me it's confidential.
Now I told them to stop my process and they will refund my money but it will be very much less as per them.
Please let me know how I can get my money as I paid almost AED 9000 or how I can proceed legally.
Sep 21, 2023
239
Do I need to get my EOSB if I change visa to another company for the same owner? 0
Hi
I have been working in a company under a local sponsor with 2 partners for the last 6 years and my visa will expire next month.
However, my company has informed me that they shall transfer my visa to their other company with the same OWNER with a new partner (without a local sponsor).
In this situation, what do I need to do?
Will my previous gratuity be added to my new visa or do I need to take my end-of-service benefits and work as a new employee?
Kindly suggest.
Sep 19, 2023
534
We bought an apartment and the previous owner served an eviction notice. Can the tenant refuse to leave? 0
Hi,
We bought an apartment in July. The apartment is rented until the end of November with the previous landlord who gave them an eviction notice last year to sell the house.
Now they want to renew the contract but we don’t want to renew because we want to move into our apartment to live there.
Can we move into our apartment and the tenant has to go out?
Can the tenant refuse to move out?
Sep 13, 2023
281

Premium
Other answers by
688 688 answers •
View allIs a bounced rent cheque case considered a criminal record for U.S. visa applications? 0
Hello,
My rent cheque was bounced, and my landlord filed a case against me in Sharjah Court. I received a fine of 2,000 AED, which was later reduced to 1,000 AED upon appeal.
Does this case count as a criminal conviction under UAE law, or was it handled as a civil matter?
If I apply for a U.S. visa, will I need to submit court records under the requirement for applicants with past convictions?
Apr 15, 2025
37
If a bank has filed an execution cheques case through the Dubai Courts. Is a travel ban automatically applied? 0
A bank has filed an execution cheques case through the Dubai Courts due to nonpayment of a personal loan and credit card.
Is a travel ban automatically applied?
I looked on the Dubai Courts website, and it says the judge has issued a “reserved” order for my case.
Furthermore, when the bank emails, they threaten me with a travel ban. So I am assuming there is no travel ban issued (but I don’t know). I haven’t received any notice of a travel ban.
If there is a travel ban, how do I find out?
I have checked the Dubai police app, and there are no financial crimes against me.
Please advise if you know.
Apr 4, 2025
160
What’s the minimum time an employee must work for the employer who brought them to the UAE? 0
Hello,
What is the minimum duration an employee must work for the employer who brought them into the country before they can terminate the contract in the UAE?
Apr 14, 2025
38
Can I stay home if my boss doesn’t pay my salary on time? 0
Hello,
Can I stay home if my boss doesn’t pay my salary on time?
Apr 10, 2025
70
Can I resign while my new visa is being processed before my first contract ends? 0
Hello,
I am currently working with my company and have one month remaining to complete my first contract.
However, my new visa is set to be processed in a month. Can I resign during this process?
What will happen if I resign at the end of my first contract before receiving the new visa while it is still in process?
Mar 27, 2025
83

Premium
Other answers by
3194 3194 answers •
View allMy tenant was supposed to vacate as per the contract. Can I rent the property to another tenant? 0
Good morning.
My tenant was supposed to vacate the property on 15th April 2025 as per the contract.
Now he is not answering the phone, and the property is still in use.
Please guide the way forward. I have already rented the property to a new tenant.
Apr 16, 2025
14
How can we recover a salary advance to a new employee if he fails to come to duty and uses alcohol? 0
As the HR manager of a company, I have issued a salary advance to the employee. Upon joining, he failed to go to duty and used alcohol daily in the camp.
I have a signed thumb-impression cash receipt. What options do I have to recover the AED 7000 advance paid to the employee?
Please help.
Regards,
B.
Apr 16, 2025
16
Am I allowed to wear a burka during the divorce hearing at the family court? 0
Hello,
Am I allowed to wear a burka during the divorce hearing at the family court?
Apr 16, 2025
33
What countersuit can be filed against an employer for a false absconding case? 0
Hello,
What countersuit can I file against an employer who filed a false absconding case against an employee?
Apr 15, 2025
47
Is a bounced rent cheque case considered a criminal record for U.S. visa applications? 0
Hello,
My rent cheque was bounced, and my landlord filed a case against me in Sharjah Court. I received a fine of 2,000 AED, which was later reduced to 1,000 AED upon appeal.
Does this case count as a criminal conviction under UAE law, or was it handled as a civil matter?
If I apply for a U.S. visa, will I need to submit court records under the requirement for applicants with past convictions?
Apr 15, 2025
37
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