Q: Salam Mr Khalifa, Quick question if possible. If someone has a credit card and he wants to stop it and discuss the settlement of the pending amount with the bank, will there be a travel ban during that period?

Q: After missing 2 months of payments on a credit card, the bank presented a security cheque on my current account for AED 101,000 and it bounced. They have said that they have filed a case with the police and issued a travel ban. I have since made a minimum payment as requested and plan to discuss repayment with the collections department. As a businessman, I travel to other countries. Will I now be subject to a travel ban/ be detained at the airport / taken to prison?

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: Dears, Does a travel ban still remain in force after a police case judged if the bank did not file for a civil case? Thanks. N.S

Q: Good morning Sir, What is a civil case? I have an outstanding payment for a bank of AED 61875.61. I am unable to pay because of salary delays, this has lead to financial instability. Now, the bank informed me that they will file a civil case against me. I want to understand what will be consequences for me. What judgement will I get from court? Please advise. Thanks & Regards, F.

Q: I have made payment default on the credit card for the last five months. Currently, I have a job but  I have some other priority commitments back in my country and I couldn't pay the minimum amount here. My credit limit was AED 30,000 and now the outstanding is 40,000. The bank is calling me almost all day. What will be the consequences if I continue not to pay? By paying the fine, will I be able to relax from this burden? Will the bank move with a civil case? If so, what will be the consequences?

Q: I have some credit card defaults and I went to prosecution and cleared the bounced cheque with fine payment 2 years back. Now collections agency is mailing to HR, threatening via Whatsapp & phone calls. The bounced cheque amount was 55K. Now the agency is asking nearly 300k. I understand the civil liability but what is the way out of this? Can they file a civil case and make a travel ban?

س: أخذت قرضين من بنك. مجموع القرضين 417 ألف درهم. سددت منهم 300 ألف درهم وتبقى مبلغ 117 ألف درهم لم أتمكن من سداده. تم فتح بلاغين للقرضين وعمل تعميم. دفعت غرامات في المحكمة وتم إلغاء منع السفر؛ هذا قبل سنتين. السؤال: إذا تحول الموضوع إلى مدني، فهل أُمنع من السفر قبل بدء إجراءات المحاكمة المدنية؟ جزاكم الله خيرًا!

Q: Hi My personal loan outstanding balance is AED 20,000 overdue is AED 1800. If the bank takes legal action civil case against me, then what kind of problem will I face?

The UAE travel ban may be imposed on a person on various grounds, for instance, as the result of criminal offences, unpaid loans, breach of immigration laws or family matters. Implications of such a ban can be financially severe and daunting for the affected person. This article aims to give readers a clear understanding of what is the UAE travel ban, what are the grounds and procedures for its imposition and removal, how to check if the person is banned from travelling and other related topics.

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.

An interview-format article covering the topic of the travel ban and reasons leading to it 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.

I believe that there is a similarity between medicine and law, and just as there is a way to ask a question to a doctor to get the most accurate and correct answers from him, which ultimately helps you receive the correct diagnosis, and therefore the correct treatment, there is a way to ask a lawyer.

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 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.

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.