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العواقب المترتبة على قيام البنك برفع قضية جنائية

قام البنك برفع قضية جنائية ضدي لعدم تمكني من سداد قسطين من الأقساط الشهرية.

لقد كنت عاطلاً عن العمل منذ أبريل 2017 وتمكنت من سداد بعض الأقساط من التسوية التي تلقيتها من شركتي السابقة وسددت بعض الأقساط الأخرى عن طريق اقتراض أموال من الأصدقاء والعائلة.

لم أتمكن من العثور على عمل مناسب خلال هذا الوقت وعلي 52000 درهم إماراتي واجبة السداد للبنك (المبلغ الأصلي هو 254000 درهم إماراتي).

يرجى تقديم المشورة بشأن الإجراءات القادمة.

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17 Jan 2019, 11:46

Dear Questioner,

You may approach the bank for a revised settlement plan by explaining your situation. Please let me know the amount mentioned in the cheque which got bounced.

If it is less than 200k this will be considered as simple crimes. Accordingly, the drawers of bounced cheques for a value of AED 200,000 (or less) can be sentenced by the Dubai Public Prosecution directly (without being referred to Courts).

However, the sentence shall be for a fine only which does not exceed AED 5,000 to AED 10,000 (in practice).

If you need any assistance, information or guidance please feel free to contact me.

Thank you.

Regards,

Rajasree Ravivarma

0544461746

17 Jan 2019, 11:59

Thank you for your reply.

The cheque bounced by the bank is for an amount of AED 77,100.00. My overdue EMI is AED 9,800, while my outstanding is AED 52,000. The 4-year loan will finish tenure by July 2019.

17 Jan 2019, 12:09

So the criminal case filed by the bank comes under the category of simple crimes.

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