Questions & Answers
Questions & Answers
3 available 3 • View allConsequences of defaulting on a small amount of a bank loan
3
Q: Hi,
Please advise me on the below issues!
I have taken a loan from a bank (AED 70,000) and suddenly I couldn't pay my loan due because I have some salary issues in my company.
They have deposited my security check and I have paid a fine amount of AED 5020 at the police station and I also have the slip which I received from them for payment of the fine.
After a few months, I joined a new company. The collection agency called me and advised me to pay the loan amount which is pending. I started paying my loan amount, but suddenly, I faced some financial issues so I couldn't pay the 2-month loan amount.
They sent me an email to pay the total outstanding amount of AED 19,000.
Will the collection agency file a civil case for that small amount?
I will clear my pending loan but I need some time. If they file a civil case, what will be the problem?
Can I travel outside the UAE?
Please advise me!

Feb 25, 2020
1396
What is the reason for rejecting police clearance certificate after dropping charges?
16
Q: Dear All,
I'm facing a case since 2013 but charges of breach of trust were dropped. However, I suffer to obtain a police certificate from Dubai police. I applied 4 times but still got rejected.
Even though charges were dropped in 2018 but the same case still appears on Dubai police online portal.
Is this the reason the Dubai police have rejected my application for PCC?
I even have the file of the dropped case.
What can I do in this case?

Feb 3, 2022
7094
Inspection of police records after defaulting on bank loan
0
Q: Hi Sir/Madam.
Greetings!
I would like to know about my friend details.
He has worked in the UAE and got a ban from his employer due to breaking the contract, and he has a loan in ADCB bank.
He has been paying properly until he left the UAE. After that, he didn't pay due to job loss.
Now, he wants to come back to the UAE and he wants to know if his bank submitted any legal case against him.
Please guide me, how can we check whether he is having a case or not? Where can we know these details?

Nov 16, 2018
992
Legal blog
1 available 1 • View allThe Consequences of Job Loss and Defaulting on Financial Liabilities 26
The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.
Feb 12, 2019
19012
Laws & Regulations
2 available 2 • View allFederal 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
148743
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
3598

Premium
Other answers by
What can I do if the employer refuses to compensation and settlement after terminating me without notice? 0
I work for a Meydan Freezone employer under a limited contract. The employer has terminated my contract without notice after 1 year and is not offering to pay 3 months' compensation severance, nor a notice period, nor a correct settlement.
They are asking me to sign a contract to waive it. I contacted MOHRE, who stated you need a NOC or referral letter from Meydan, but Meydan stated they do not issue one, and private matters and disputes are between you and the employer.
May 21, 2025
52
Can I get a UAE police clearance for US immigration if I was deported in 2022? 0
Hello,
I'm living outside the UAE now.
Can I get a police clearance for US immigration purposes even though I had a case and was deported in 2022?
Jun 3, 2025
85
Can I be sued for posting an honest 1-star review about an upsetting experience? 0
Hello,
I recently made a Google review (and gave 1 star) regarding a grooming gone wrong to my fur baby's long, beautiful coat. Everything was done badly and so wrong; it was so upsetting and disappointing.
The owner reached out and gave some free vitamins to my baby boy and even offered to share my résumé with his contacts because I am currently searching for a job.
After an hour, the owner called asking me to delete my review. I messaged him not to pressure me or force me into doing something I don’t want to do, and told him I didn’t expect he wanted me to delete the review in exchange for the vitamins he gave for my fur baby.
I updated my review and mentioned that I appreciated the gesture. But he called again, threatening that his business partner might file a case against me.
Can they really do that to me, even if I didn’t directly ask for the vitamins and I didn’t say any bad word against their company?
I just made an honest review based on an upsetting and frustrating grooming service.
May 21, 2025
43
How can I avoid salary account seizure if Dubai Courts have ordered my assets to be frozen? 0
Hello,
Dubai Courts have sent a circular to freeze my assets in a cheque execution case dating back to 2023.
An installment plan was in place, but I missed payments.
The outstanding amount is AED 26,000. How can I avoid seizure of my salary bank account?
Thank you!
May 22, 2025
58
Are weekends before and after leave excluded from the annual leave balance? 0
Hello,
According to UAE labor law, is it correct that weekends before the start date and after the end date of annual leave are not counted?
Example: if the leave is applied from Monday to Friday, how many days should be deducted from the annual leave balance?
May 21, 2025
59

Premium
Other answers by
What can you do if the bank filed a case against despite paying the loan by insurance after losing job? 0
Hello Sir,
My friend had a large personal loan and paid installments for 1.5 years before losing his job.
A criminal case was filed in 2019, but he was cleared with a fine as the judge accepted that job loss insurance covered the loan. Funds were credited (shown in the statement & SMS), and customer service confirmed twice that the loan was cleared.
He also paid AED 10K+ interest for the insurance. A year later, a cheque case was filed by a debt company and bank—he won with the same documents. Now, in Jan 2025, the bank filed a commercial case.
The court appointed an expert, but the expert ignored his evidence. he showed that a key page of the contract (stating job loss insurance) was missing from the bank’s submission.
The bank told the expert the credited amount was a “loan write-off,” but gave no proof. The expert never investigated his findings.
I need advice on whether this verdict can be appealed and whether it’s worth pursuing further. My friend is in India now
Jul 1, 2025
8
تقدمت لاستخراج شهادة بحث الحالة فظهرت قضية قديمة في سجلاتي. كيف يمكنني إزالتها؟ 0
مرحبًا، السلام عليكم،
لقد تقدمت للالتحاق بـالقوات المسلحة الإماراتية، وعند استخراج شهادة بحث الحالة الجنائية/شهادة حسن السيرة والسلوك باسم جهة الطلب (وزارة الدفاع)، ظهرت قضية قديمة لي.
القضية هي جنحة بسيطة عندما كنت حدثًا، وتم إيداعي بموجبها في دار الملاحظة. استخرجت صورة الحكم الخاصة بها، والصادرة بتاريخ 2012، ونحن الآن في 2025.
فبعد مرور أكثر من 10 سنوات، لا تزال القضية موجودة في سجلي الجنائي، رغم صدور كفّ البحث، وكوني كنت حدثًا، ومر على الواقعة أكثر من 5 أعوام.
كنت أتساءل:
هل من الممكن محوها بأي طريقة، واستخراج شهادة نظيفة؟
عندما ذهبت إلى مركز التسهيل لتقديم طلب شطب، أخبروني أن الخيار الوحيد المتاح هو تقديم طلب رد اعتبار.
الحكم الصادر هو:
بالنسبة للقضيتين رقم [-----] جزائي الأسرة، بمعاقبة المتهم بالإيداع في دور التربية والإصلاح.
أخبرني الضابط المسؤول عن شهادات حسن السيرة والسلوك أنه لا يمكنه استخراج شهادة من أجل طلب الشطب لمحكمة بني ياس، ونصحني أن أبحث عن عمل خاص وأنسى موضوع العسكرية.
كيف يمكنني استخراج شهادة للمحكمة؟
Jul 1, 2025
8
I got limited supervised visits for my kids befor divorce and I want increased visitation. What to do? 0
Last year, I filed an urgent petition for child visitation in Abu Dhabi Court before the divorce, when my wife left home.
The divorce was then finalized 6 months later & for the past 15 months, I’ve had limited supervised visits of 6 hours every Saturday.
I'm now seeking increased visitation (may be 2-3 days), including overnights, given my consistent payment of child alimony and the strong emotional bond I share with my child.
As per Federal Law No. 41 of 2024, Article 121, Clause 1, the other parent may request overnight visitation, and if there's no mutual agreement, the court will decide based on the child's best interests.
I need to know whether I should file a petition, order a case, or an FIC case to request expanded visitation rights. (I understand that both types of cases go through the FG procedure).
Jun 30, 2025
17
How can I remove overstay fines so that my new employer can issue my visa? 0
I am writing to seek your legal advice regarding a complex immigration issue involving a person currently overstaying in Abu Dhabi.
His visa has expired, and although he received a job offer from a company in January 2025, the new visa process has not moved forward due to outstanding fines.
To resolve the issue, he applied to the court in November 2024 to request a reduction in the overstay fine.
He received a notification/link in January 2025 to visit immigration, but unfortunately, he could not attend due to serious health issues related to uric acid, which left him unable to walk.
Additionally, he was unable to seek medical help due to the lack of health insurance and severe financial difficulties.
He is now in a position where he wants to regularize his status in the UAE, clear any pending issues, and find a job to support his family.
We kindly request your guidance.
We would greatly appreciate your support in helping to resolve this matter in the best possible way.
Thank you
Jun 30, 2025
14
What to do if the bank guarantee provided to Dubai Government Authority has been misplaced? 0
“The guarantee is valid until 24.11.2021 and shall, before expiry, be automatically renewed until advised by you that the contract has been fulfilled.
We have received an email from the Dubai Government Authority stating that the Original Bank guarantee has been misplaced, along with the reason that, due to the COVID period, many staff were working remotely at home, and the Dubai Government Authority has sent NOC for the release of the bank guarantee stating that"
“Kindly release the bank guarantee No..... as the supplier has fulfilled the condition of the contract without any claim.”
Further, the applicant has provided an undertaking cum indemnity to cancel the bank guarantee and release the underlying cash margin.
So in the above case, the applicant has given the undertaking cum indemnity and beneficiary also confirmed by email that they have lost the guarantee so in such case.
What further action does the bank need to take?
Being the government authority, the bank may get less support in terms of documentation, so please advise.
Jun 23, 2025
35

Premium
Other answers by
What can you do if the bank filed a case against despite paying the loan by insurance after losing job? 0
Hello Sir,
My friend had a large personal loan and paid installments for 1.5 years before losing his job.
A criminal case was filed in 2019, but he was cleared with a fine as the judge accepted that job loss insurance covered the loan. Funds were credited (shown in the statement & SMS), and customer service confirmed twice that the loan was cleared.
He also paid AED 10K+ interest for the insurance. A year later, a cheque case was filed by a debt company and bank—he won with the same documents. Now, in Jan 2025, the bank filed a commercial case.
The court appointed an expert, but the expert ignored his evidence. he showed that a key page of the contract (stating job loss insurance) was missing from the bank’s submission.
The bank told the expert the credited amount was a “loan write-off,” but gave no proof. The expert never investigated his findings.
I need advice on whether this verdict can be appealed and whether it’s worth pursuing further. My friend is in India now
Jul 1, 2025
8
How can I remove overstay fines so that my new employer can issue my visa? 0
I am writing to seek your legal advice regarding a complex immigration issue involving a person currently overstaying in Abu Dhabi.
His visa has expired, and although he received a job offer from a company in January 2025, the new visa process has not moved forward due to outstanding fines.
To resolve the issue, he applied to the court in November 2024 to request a reduction in the overstay fine.
He received a notification/link in January 2025 to visit immigration, but unfortunately, he could not attend due to serious health issues related to uric acid, which left him unable to walk.
Additionally, he was unable to seek medical help due to the lack of health insurance and severe financial difficulties.
He is now in a position where he wants to regularize his status in the UAE, clear any pending issues, and find a job to support his family.
We kindly request your guidance.
We would greatly appreciate your support in helping to resolve this matter in the best possible way.
Thank you
Jun 30, 2025
14
Can I go without the bailiff to receive the keys of my house from the tenant based on a court judgment? 0
Hi,
My tenant was not paying rent, so I filed a case and won it. The court has given a bailiff eviction date of 7th July. The tenant also has outstanding rent plus court fees to pay.
The tenant called me and proposed an out-of-court settlement. She is offering to hand over the keys today, along with her furniture, to compensate for the outstanding rent.
I don't trust the tenant as she has lied many times. She's asking me to come visit the apartment to look at the furniture and take the keys.
1. Please advise if it's ok to visit the apartment and take the keys and furniture without involving the bailiff. Do I need to report the furniture adjustment against the rent due to the court?
2. Can she create any other problem on my physical visit, although I have WhatsApp messages of her request?
3. Can she request payment installments from the court if I don't agree to take her furniture?
4. Can I write down the settlement with her on a plain piece of paper with her signature?
Jun 18, 2025
75
My employer has not issued my residence visa yet and I am in overstay. What can I do? 0
I came on an E-visa (employment visa) from Uganda to the UAE, and my employer didn't make my residence visa. Now I have been in overstay for 24 days.
What should I do?
Jun 24, 2025
50
Can we file a case against a customer who launched a campaign online against our business reputation? 0
Hello,
A customer based in Dubai booked a public experience online on the website of a reputable business based in Dubai.
The customer came to the business location, the team was ready to provide the experience as per her booking.
The customer started to shout loudly, claiming that she was expecting a private experience. She refused to do the experience and left. Then she started calling the Management claiming a refund.
The Management explained that as per the T&Cs, experiences booked online are public. The Management offered as a goodwill gesture to refund the customer after deducting the cost of preparations that were paid by the business to set up the experience. The customer refused.
The customer used her Instagram account and as an influencer + Google review to launch a campaign against the business reputation, inciting her audience/people not to use the business services. She used signs of alert/warnings.
Is there a law that punishes such public incitement in the UAE?
Jun 11, 2025
113
Get quotes from lawyers
Find the right lawyer for your legal needs.
Submit your request and get multiple
competitive offers from
qualified lawyers.
Popular Q&A
View all Looking for something else?
Ask for advice from a lawyer