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قيام البنك برفع قضية جنائية بسبب التخلف عن سداد أقساط القرض

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, 11:50

Dear Questioner,

Thank you so much for keeping in touch with me.

Even though you have to pay only 52,000/- the bank might have filed the case for the full loan amount as the cheque available with them is for the full amount.

As the case is already registered, once you get a call from the police you can appear before the police or prosecutor whenever you're called for, either personally or through a lawyer.

If the cheque amount is more than 200k, the chance of getting a sentence in the first court is more likely. But still, you can produce all your payment details and try to have a fine in that.

After the criminal case or during the pendency of this, the bank has the option to move a civil case also against you.

Please feel free to contact me at 0556635526 or WhatsApp me on 0508575526 if you need any further clarification or explanation.

Regards,

Anitha Rajeev

17 Jan 2019, 12:04

Thank you for the reply.

The cheque bounced by the bank is for AED 77,100. My overdue amount is AED 9,800.

My outstanding is AED 52,000 and the loan is scheduled to finish in July 2019. Due to my unemployment, I am in a terrible spot trying to repay the bank.

17 Jan 2019, 12:07

If you manage to get a job, then try to go for a settlement with the bank so that you can be saved from both the cases.

Otherwise, you can appear in the criminal case and the judgment will mostly be a payment of fine only. Once you pay the fine, the criminal case will be over.

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