Q: Last October 2017, my security cheque for my personal loan bounced because I was two months delayed. When I found out that my cheque bounced, I coordinated with the bank, and they advised me that I need to submit a new cheque and new salary transfer certificate to them and they won't file a case. I submitted the required documents and paid some amount as well. Last February 21, 2018, I was planning to go to Georgia for vacation and I was arrested due to a case filed by the bank. I was surprised because I knew that they will not file a case and no one from the bank informed me that I have a case. The case was filed last November 12, 2017, and I even had communication with the bank for loan re-structuring and during that time they didn't even tell me that I have a case. I paid AED 10k fine for the case. I was really disappointed by the bank gesture. Why would I go to Georgia if I know that I have a case? I almost spent 5 days in jail. Please let me know your advice. Thank you very much.

Q: Hello I lost my passport during shifting and I reported a lost certificate. Then after 5 to 6 days, I found my passport. After a few days, I was going to my country and immigration stopped me. They said first you have to clear your case. So then, I cleared my case from the police station and they said you are clear now. But in my Dubai police app, it's still pending. Can I travel now?

Q: Hi, I had a loan from a bank and I came back from Dubai in 2015. Now in 2023, I have cleared the entire amount taken from the bank and have a payment receipt as well. There is no case filed according to my knowledge as I was only getting collection calls all this while. Now, I want to travel to Dubai on a visit. Do I need to have any clearance from the bank or immigration?

Q: Dear Sir/Madam, I have received a stop the search certificate from Dubai Public Prosecution. Kindly advise if I need to submit the same to the concerned police station or if it will automatically lift the travel ban.

Q: I would like to know how to clear my police record due to a legal case that was closed 1 year ago. I need to clear it in order to be able to get a job position.

An interview-format article covering the topic of loans and bounced cheques in the UAE. This is from the legal podcast of lawyer Ludmila Yamalova, the founder of Lawgical with LYLAW.

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 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.

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.