Questions & Answers
Questions & Answers
3 available 3 • View allAm I still liable to pay a loan to a new bank after the old bank was taken over?


3
Q: Dear Sir/Madam,
I lost my job in 2018, and in 2019, the bank opened a criminal case against me for defaulting on my loan. I attended the hearing with a judge and was told to pay a fine of AED 7,000, which I did.
The bank was then taken over by another bank in 2020/2021.
In late 2022, the new bank that took over is calling me to clear my loan, but I never signed anything with them, and my case was before the takeover.
Am I still entitled to pay the new bank?



Jul 7, 2023
241
I lost my job and left the UAE where I can no longer pay my bank loan. Can I come back?

1
Q: I have a bank loan and due to the loss of my job, I was unable to pay and currently out of the UAE.
I have a few questions if someone please would be kind enough to guide me on them:
"The bank has not filed the case yet".
1. The bank is asking me to pay the minimum 10% of the outstanding, I wish to know if this is a legal requirement or if I can pay any amount as a down payment in court.
2. Since has not filed the case my rating is bad on AECB, so will the police arrest me based on my rating, or does the case has to be filed first?
3. If I am arrested, will I be presented before the judge and can I offer to start paying installments or do I have to pay the downpayment?
Kindly, do guide me on these and if I can get a good attorney so that I can hire the attorney to help me settle things with the bank.


May 28, 2023
338
Can I pay the fine to close a credit card if the bank asks for huge amount to settle?


0
Q: Dear Team,
I have an issue with my credit card, which was issued in 2013 and I used the same till 2018, all the payments had done on time.
Unfortunately, last time in 2018, I was troubled by a financial crisis. Due to the same, I had some amount pending on my credit card, and in 2018, I went to my home country as I lost my job.
This year, two months back, I came back to UAE. Now the bank team is asking for a huge amount for the settlement.
Could you please advise me on how to close this case with the fine by the court?



May 16, 2023
177
Legal blog
2 available 2 • View allBounced Cheques in the UAE: What You Need to Know in 2024 292
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
224456
The 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
19011
Laws & Regulations
2 available 2 • 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
48064
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

Other answers by
Terminating an employee after sick leave and claiming compensation 2
Hello,
My employer fired me under Article 44 for not showing up for work for 7 days in a row. But that’s not the case at all. I was sick and the management was aware and they let me go.
I went to another country to get treatment because it’s expensive in Dubai. My employer did not pay me my salary for the month I worked and fired me.
I have official sick leave from another country and there is correspondence where my employer sent me to another country for treatment.
The problem is that the employer says that he will take compensation for the training that was specified in the contract, but I did not undergo training at all; I immediately started work from the first day of work and there was no training.
Does my employer have the right to charge me such a fee and not pay my salary?
Feb 29, 2024
534
How to make the seller hand over the tenant's security deposit to the buyer upon completing a sale? 1
Should the seller in Dubai hand over their tenant's security deposit to the buyer upon completing a sale?
Who is responsible for managing this process?
At the time of the exchange, the broker said he would follow up with the seller and collect the deposit.
He hasn’t, and the seller has not handed over the deposit.
Feb 8, 2024
471
How to deal with in-laws provoking and recording reactions? 1
Dear Sir/Madam,
My husband's family constantly provokes me and then records my every exaggerated reaction.
Now I'm worried that they might use those things against me.
Feb 8, 2024
294
How to cancel the MoU to buy an apartment with the broker if the bank did not approve the loan? 2
Hi,
I have a situation where I signed an MoU and gave my security deposit to the seller's agent. However later, the bank valuation of the property is lower than the selling price.
On my MoU, it has a clause that “the buyer has a right to cancel/negotiate if the bank valuation is not the same as MoU.” I tried to negotiate, however, we didn't agree on the price so I asked to cancel.
Now the agent is threatening me that they will not cancel the MoU and that will deposit my cheque. Later I also came to know that the person I am dealing with is not the same person whose name is mentioned as a broker in the MoU.
The agent I am dealing with is constantly messaging me with threats. I decided not to speak to him and instead, I wrote an email to the broker whose name is mentioned on the MoU but received no response.
I am on a very tight timeline as I need to vacate my apartment in 3 weeks, I found another unit but I don't know if I can pursue this while the initial MoU still not canceled.
Please, I need advice.
Feb 8, 2024
716
Employer asking for visa reimbursement after resignation: do I need to pay? 3
Hello Sir/Madam,
I have already finished my first year with my company and resigned.
My employer is asking me to reimburse the cost of my visa because I did not finish my two-year contract.
Do I need to pay? The cost is 7,000 AED.
Oct 20, 2023
871

Premium
Other answers by
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
32
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
111
How can we remove a partner from the license if he is present but unresponsive? 0
Good day!
One of our partners on the license has not been in communication since November 2024.
He is also in Dubai but is not answering phone calls or replying to messages.
What is the procedure to remove his name from the license in this situation without his absence?
Please advise!
Jun 2, 2025
46
Tenant demanding more than RDC verdict. Must I pay before the execution file is issued? 0
Good day,
I am a landlord, and my tenant filed a case with the RDC. The verdict was in his favor, and I am to pay the financial claim, which is the fees and expenses of the case.
The tenant asked for a specific amount, which is higher than the official receipt that the RDC provided. So, I have paid that exact amount directly to the tenant.
Naturally, the tenant asked for more. May I ask for guidance regarding the procedure?
It has not been 15 days since the verdict, so I have been told by the RDC that the case is not final, and I must wait for the execution file to determine the exact amount.
While I am happy to wait for that, my tenant has been threatening to open an execution file if I do not pay before the 15th day. She mentioned a travel ban as well. I feel lost and uncomfortable with the situation.
Please help me understand the procedure.
May 29, 2025
40
Can I travel and return to the UAE during an ongoing labor case against my employer? 0
Hello,
I have filed a case against my employer, and the session is still ongoing in the Dubai court.
Can I travel outside the UAE and then come back?
Jun 2, 2025
64

Premium
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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
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
111
How can we remove a partner from the license if he is present but unresponsive? 0
Good day!
One of our partners on the license has not been in communication since November 2024.
He is also in Dubai but is not answering phone calls or replying to messages.
What is the procedure to remove his name from the license in this situation without his absence?
Please advise!
Jun 2, 2025
46
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
84
How long does it take for a bounced cheque case to be closed after a settlement? 0
Hello,
I had a cheque bounce case filed against me in Dubai, but I’ve now settled it with the complainant. The case has been with the Public Prosecution, and I’ve already submitted the notarized settlement documents.
It’s been 5 days since submission, and when I checked with the legal team, they couldn’t give me a clear timeline on how long it might take for the case to be withdrawn and for me to receive clearance.
Does anyone here have experience with this process? How long did it take for your case to be closed after submitting the notarized withdrawal request? Should I expect it to be done in a few days, or could it take longer?
Thanks in advance!
Jun 4, 2025
140
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