Q: Dear Sir/Madam, In January 2013, I subscribed to a tourism package with a registered company in the UAE. We signed a contract and paid AED 11,000 for the package. However, the company has not been providing us with the promised services. We have decided to cancel the subscription and request a refund. The company initially said that we would be eligible for a refund after 6 months, but now they are saying that we will only be refunded after 1 year, and that is only if management approves. The exact clause that describes the cancellation policy is: “A subscription cancellation request received within 7 days of the enrollment/payment date may be eligible for a refund after deducting 30% administration charges and the cost of any utilized services, if any.” Their subscription fee is 11000 and we were not informed of a separate administration charge. They are not willing to refund. Isn’t it illegal to deny that right to a customer? Thank you in advance for any guidance you can provide!

Q: Hello Sir, Subj: First Islamic CryptoCurrency (FICS) An investment company called [------] based in RAK started receiving investments in FICS in the year 2019. In March 2019 I had invested AED 50,000 (the value of one Crypto token is USD 0.10) and they offered an initial bonus of 30% for the total investments as well. After one year of the investment, they informed me that all my total investment is shifted to [S] account. After some time, they informed me that [S] has tied up with the [----] platform and we can start very soon the trading. Unfortunately, no trading has been started yet, also I am unable to contact anyone in this company [A] or [S]. Kindly advise how can I get my money back, should I file a criminal case against it? Do you think this is a fraud? Looking forward to your kind reply. K. M.

Q: It has been a year since I helped my friend financially with around 11000. He has not returned my money and has given excuses for doing so. Please advise what type of action I should take to recover that money.

The law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.