Q: If you have been sentenced for a bounced cheque and then a civil case is brought against you, what would happen if you do not have all the funds to pay the full amount? Would the judge accept a lump sum and then installments until all the money is repaid?

Q: Dear Sir, I had a loan of AED 20,000 and I was paying my instalment every month until I lost my job. My outstanding amount was only AED 8000 by then, but hence I didn't have a job and I couldn't pay for 7 months. However, as I found a new job I started to pay again but a case was filed already by this time. I was jailed for 2 days and I was presented to the courts where they gave me a fine of AED 2000, then I was released. Now, the recovery department is calling me again and telling me to pay AED 14000 as they say that's my current outstanding amount. They say that a civil case will be filed if I fail to pay. So what will happen if they filed a civil case? Please advice.

Q: I have a case in court awaiting judgement for a bank loan case of 35'000dh. What will be the punishment I am going to face?

Q: Hi, My name is A. I want to get your advice about my debts. I have 7-8 cards worth 250k and 200k personal loan. My salary is just 10k and I have my family with three grown-up kids and 60-70% of my salary goes in school fees, rent and other related expense. My personal loan is auto-debit that means I am left with nothing to pay the instalment of the cards. I need your help in settling this issue on priority. I am overloaded with debts and need immediate help. I have spoken to the banks and explained my problem; they are least bothered. Interest and late payment fees keep on mounting up making the amount a big challenge. The banks have been charging me interest for years and still no help is expected from them. I would request you to suggest some amicable solution to my problem. Looking forward to your valuable suggestions. Thanks, A.

Q: Dear Sir, I had taken a personal loan from a bank of AED 173,000 in 2016 and was paying on time until I lost my job in 2018. The total I paid back is AED 173,875.64, and balance to pay is AED 42,986.90 Currently, I don't have a job and after three months of pending instalment since July 2019, the bank collection agent started calling and saying they will bounce the security cheque. On 8th Oct they had deposited the cheque and bounced and later I saw in internet banking that the cheque number deposited was different from the one which I had signed during the application process. As I have the copy of cheque with me, I talked to the agent after that and they insisted that it was the cheque that I signed and they aren't giving me more clarification on that. Kindly advise, what if they go for a case of the deposited cheque with a different serial number?

Q: Dear Mr Ibrahim, I have a dispute with my mortgage bank. They have been overcharging me, I am sure of it. It is Islamic finance and after 11 years of paying a total of AED 1.2M, my principal has only reduced by 100,000 dirhams. I have asked them for all my statements and calculations but they do not respond. I am applying for Canadian PR. I am concerned they will bounce my security cheque to put pressure on me and then I will not get PCC. Can we approach the court to let them know this is a dispute and remove the bounced cheque from records as I wish to settle with the bank but they do not respond? Thanks

Q: Dear Sir/Madam, If I file a civil court case, will the judge only consider the lost amount, or will they also consider extra losses such as legal fees, court fees, loss of income, and fines by the bank?

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.

The UAE travel ban may be imposed on a person on various grounds, for instance, as the result of criminal offences, unpaid loans, breach of immigration laws or family matters. Implications of such a ban can be financially severe and daunting for the affected person. This article aims to give readers a clear understanding of what is the UAE travel ban, what are the grounds and procedures for its imposition and removal, how to check if the person is banned from travelling and other related topics.

An interview-format article covering the topic of shareholder disputes in the UAE and pre-emptive measure to be considered. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

موضوع هذا المقال هو مناقشة تطبيق عملي جديد وقفنا عليه لدى بعض السلطات القضائية، يتمثل في استيفاء رسمٍ قضائي مقابل تقديم المتقاضي لدفاعه الكتابي، فمتى كان المتقاضي يرغب في تقديم مذكرة، وجبَ عليه أداء رسم لرفعها على النظام الإلكتروني، وإلا، لم يكن له سبيل إلى رفعها، فلا يقبلها النظام الإلكتروني، ولا تصل إلى قاضي الدعوى. وقد وقفنا على هذا التطبيق المستحدث في الدعاوى الجزائية، والدعاوى المدنية.

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.