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!

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?

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?

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.

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.

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.