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: Hi. I had a bounced cheque case with my ex-landlord which I recently settled. He filed a case against me. My brother paid the amount and their Local UAE National will be doing some paperwork in ON TIME government service office. Then later, he was advised to go to Court to take the NOC and pay the fine. Once the NOC is taken and fine paid, do we need to take this paper to the Police Station or Immigration to clear my name so they won't stop me at the Airport when I enter Dubai again, or it will be done automatically? If it will be done automatically, then how much time it takes?

Q: I had a bounced cheque case with a bank, for which I was sentenced to 2 years in absentia. However, I made a one-time full payment and final settlement with the bank and paid them the amount. Will the sentence get removed? How do I get it removed?

Q: Hi Sir Hope everything is well. I just want to know information with regards to civil cases related to defaulting on a loan. How is likely a bank to file a civil case with a minimal amount, let's say AED 50,000? In case the bank has filed a civil case against an individual, normally how long (months or years) would it take to reach the final judgement? Is a travel ban attached automatically? Will your visa status be affected? Another question, what is the right of a debtor to abusive debt collectors? Can a debtor sue a collector sharing information about your debts to third parties like to workplace, friends and family members? Thank you

Q: Hi, I had a few credit card debts in the UAE when I left in 2017. The banks were following up for the payments, and one by one I paid off all. They have given me a clearance letter too. But I am still afraid to enter the UAE. Can anyone help me in checking weather I have a possible travel ban or arrest warrant in the UAE?

س: ما الإجراء الممكن اتخاذه إذا تقدم البنك ببلاغ ضد العميل بعد موافقة البنك وإتمام إعادة الجدولة وبعد تحويل الراتب ودفع القسط المتفق عليه فى ميعاده؟

Q: I gave a blank cheque to a loan shark as security. After I paid him everything he said I need to pay AED 1000 more. Now he bounced the cheque and going to file the case for AED 15000. What should I do now?

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.