Q: I defaulted on a personal loan due to loss of job in 2016. Then via my friend and transfer of POA filed case for settlement. I paid money to a friend for settlement. Wanted to understand if I settle my case through court does the bank give a clearance letter? My friend has submitted me an immigration clearance letter and also PCC. Should I consider my self clear from all legal liabilities on the basis of immigration clearance and PCC? Can the bank re-apply for the case against me in future? How can I close my bank account? Are the immigration ban and travel ban the same? What should I do to re-assure that everything is legally right?

Q: I am a UK-based citizen aiming to negotiate a settlement on a UAE liability with a large bank. Am I correct in assuming the letter of clearance from the bank once the debt is paid will need to be attested by a UAE notary to stand up to scrutiny from authorities if I am ever detained in the future due to a police case related to this matter?

Q: Hello there, I left the UAE in 2015 and I had a loan and credit cards paid one by one and left now with the last credit card with a bank. I was paying minimum account until Feb 2020. Then COVID-19 hit and I was not able to pay. I contacted bank but no response from their end for settlement. Now suddenly an agency started dealing with me and asking me to pay around AED 12000 which is very difficult. Please advise. I paid one bank and got clearance, paid another bank but they are not giving out a clearance letter still after much follow up. What can be done?

Q: After clearing the court case, how long will it take the Sharjah rental dispute court to update the court management system about lifting the bank account hold?

Q: Dear Inquirer, In 2018, the bank filed a criminal case against me for my unpaid credit card balance. The court ordered me to pay it and I did pay it thru the court. Now the bank is pursuing me again to pay the said amount. Please advise

Q: I have an ongoing cheque execution case that has been active for a year. Finally, after lengthy negotiations, the bank is willing to waive the interest and late payment fees and close the loan in a single settlement after issuing an offer letter. Should I trust them and proceed, or should I inform the court about settling the matter outside the court? I am concerned that they might refuse to withdraw the case or demand additional payments such as legal fees after I make the final payment.  Please advise.

With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.

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.