Q: Hello I am writing to ask about a civil case, I recently went on maternity leave and my company does not pay a salary in this period. The bank filed a criminal case so I was stopped at the airport on arrival and processed at the police station. The next day I went in front of a judge who asked if I had the money to pay at that time or pay a fine, so I paid the AED 10000 fine. It's been almost 3 months and the bank keeps increasing my debt (my account is on minus). Question is, should I go to court again to ask them to get the bank to issue a clearance certificate or what should I do?

Q: Dear Sir, I have a credit card cheque bounce case of AED 57,000. I've already paid the fine of AED 2020 in the police station but the bank is still calling me a for the payment of AED 57,000. They told me they're filing a civil case against me. Please tell me about the further procedure if they file a civil case, and if there is any travel ban or any other fine on me.

Q: Hi Mr Hari I have had a cheque bounce with one of the banks in Dubai which was an inbuilt cheque in credit card application. They had submitted a police case against me in April 2018. I was taken at Al Ragga police station. asked to pay AED 2000 fine. I was presented in front of the public prosecutor. I accepted that I am unable to pay the credit card amount and the bank did not tell me that they are submitting the cheque. I paid the fine on-spot and the passport was given to me. I also got my Police Clearance Certificate. Now to my surprise, after all this pain and harassment, the credit card fellow and so-called collecting agent are threatening to do a civil case. They are saying we will cancel all the extra interest charged on the card amount. Just clear the basic card value. I told them I was paying minimum payments earlier as well. But the bank did such a wrong thing by declaring me absconding. I have given 4 good years to this country. Please advise. If I do not take their calls and threats, what will be the worst case scenario?

Q: Dear Sir, I am living in the UAE. Last February 2019, a bank filed a criminal case against me for credit card and security cheque bounce of AED 60000. I paid the fine and got released from the public prosecution at al Rahba, Abu Dhabi. Afterwards, one law firm contacted me chasing for the unpaid dues from that bank and said they will file a case against me. I am jobless and searching for a job for the last 4 months due to my termination. If they file a civil case, will there be any impact on applying for a new visa? It is possible to overrule any court decision? How can I get released from this situation? Hence, I don't have any single dirham with me to pay the bank. Also, advise if the police can arrest me on the basis of this civil case immediately. Your favourable response will be highly appreciated.

Q: Dear Hari, Upon the execution of a criminal case related to a bounced cheque, if the fine is paid and the criminal case is disposed of, can the bank automatically file a civil case thereafter or would there be a time frame for it? Regards, WH

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.

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.