Questions & Answers
Questions & Answers
3 available 3 • View allSettlement of bank liabilities and ensuring clearance
3
Q: I defaulted on a personal loan due to loss of job in 2016. Then via my friend and transfer of POA filed case for settlement. I paid money to a friend for settlement.
Wanted to understand if I settle my case through court does the bank give a clearance letter?
My friend has submitted me an immigration clearance letter and also PCC.
Should I consider my self clear from all legal liabilities on the basis of immigration clearance and PCC?
Can the bank re-apply for the case against me in future? How can I close my bank account?
Are the immigration ban and travel ban the same?
What should I do to re-assure that everything is legally right?

Apr 18, 2019
3407
Is it necessary to get the letter of clearance from a bank notarized as a proof for the future?


1
Q: I am a UK-based citizen aiming to negotiate a settlement on a UAE liability with a large bank.
Am I correct in assuming the letter of clearance from the bank once the debt is paid will need to be attested by a UAE notary to stand up to scrutiny from authorities if I am ever detained in the future due to a police case related to this matter?



Jun 24, 2022
364
A friend borrowed money and won't pay back. What to do?


3
Q: Dear Sir/Madam,
I lent Dh35,000 to a friend in 2020 during the COVID-19 pandemic when he was under financial stress.
Now, when I ask him to repay the loan, he either does not pick up my calls or tells me that he is still not in a position to return the money. I also have a husband and the money is important to me.
What can I do to get my money back?
I have WhatsApp conversations and some remittance receipts from when he asked me for the money.
I paid him in cash. Can I file a police complaint?
Is there any other way to get my money back? I don't want to get him in trouble, but I also really need him to return my money. What should I do?



Jun 7, 2023
1314
Legal blog
1 available 1 • View allOnline POA and Other Notary Public Services in the UAE 28
With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.
Jun 8, 2021
19166
Laws & Regulations
4 available 4 • View allFederal Law No. (3) of 1987 Promulgating the Penal Code 29
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.
Dec 8, 1987
47897
Federal Law No. (5) of 1985 On the Civil Transactions Law of the United Arab Emirates 96
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.
Dec 15, 1985
148346
Federal Law No. (10) of 1992 On Evidence in Civil and Commercial Transactions 14
The provisions of this law On Evidence in Civil and Commercial Transactions (Law of Evidence) govern evidence in civil and commercial disputes in the UAE.
Jan 15, 1992
19086
Federal Law No. (11) of 1992 Concerning Issuance of the Civil Procedures Code 42
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.
Feb 24, 1992
75279

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173 173 answers •
View allقررت المحكمة ندب خبير وحددت أمانة الخبرة. في حالة تنازل المدعي عن الدعوى، هل يترتب عليه شيء؟ 0
قررت المحكمة ندب خبير وحددت أمانة الخبرة وحددت جلسة. في حالة عدم إيداع أمانة الخبرة بتاريخ آخر تم الإعلان الخبرة.
السؤال: في حالة تنازل المدعي عن الدعوى، هل يترتب عليه شيء؟
Mar 27, 2025
98
كيف يمكنني معرفة إذا كنت على قائمة المطلوبين في دول مجلس التعاون بسبب قضية مالية في الإمارات؟ 0
كيف يمكنني معرفة إذا كان تم إدراج اسمي على قائمة المطلوبين في دول مجلس التعاون بسبب وجود قضية مالية في الإمارات وتعاميم وأمر إلقاء قبض وإحضار لأنني بصدد السفر إلى دولة خليجية؟
Mar 26, 2025
112
How to penalize a landlord for cutting off AC despite an RDC ruling in the tenant's favor? 0
Hello,
My Dubai landlord (Omani) switched off the AC cooling in my rented flat after demanding a rent increase of over 50%. Even after winning the case at RDC and renewing Ejari through the court, he still has not restarted the AC cooling.
I have sent emails and filed a police complaint, but it's getting hotter again, and the AC has been off since last October.
Please suggest how to penalize him as he disrespects UAE laws.
Mar 23, 2025
67
Unpaid agency commission without a signed agreement. Can email proof hold up in court? 0
Hi dear all,
This question concerns the payment of the agency commission. The commission agreement form was not signed, but there is indirect evidence — email correspondence in which it is confirmed that the 2% amount is intended for the agent’s commission.
In the end, the client refuses to pay, although the deal was completed.
How realistic is it to receive the commission through a court decision? And how long would such a case typically take?
Mar 25, 2025
45
Can the real estate company ask for 10% rent increase if the RERA rental index does not allow it? 0
I am residing in Al Nahda 2 area, and the real estate company is asking me for a 10% rent increase from last year. However, checking RERA, there is no increase in the rates in my area as checked today.
Once I told my real estate the same, they said it had to be checked 3 months ago from now. Also, the area they have shown in their RERA is Al Nahda 1, while I reside in Al Nahda 2.
Mar 25, 2025
57

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686 686 answers •
View allCan I stay home if my boss doesn’t pay my salary on time? 0
Hello,
Can I stay home if my boss doesn’t pay my salary on time?
Apr 10, 2025
55
Can I resign while my new visa is being processed before my first contract ends? 0
Hello,
I am currently working with my company and have one month remaining to complete my first contract.
However, my new visa is set to be processed in a month. Can I resign during this process?
What will happen if I resign at the end of my first contract before receiving the new visa while it is still in process?
Mar 27, 2025
78
My husband is taking a loan to get married again while my daughter and I live in a shared accommodation. What are my rights? 0
My husband has a girlfriend/fiancée. He is Muslim now, but when we got married, we were both Christians. So I know that he will not have another wife because it's not allowed in our country and religion.
Do I have the right to tell him that it's illegal?
Also, we have loans here and in our country, and he wants to get a loan just to marry his girlfriend and find a flat for her. While my daughter and I only live in a room with shared tenants.
What are my rights?
Thank you so much!
Apr 8, 2025
94
If a bank has filed an execution cheques case through the Dubai Courts. Is a travel ban automatically applied? 0
A bank has filed an execution cheques case through the Dubai Courts due to nonpayment of a personal loan and credit card.
Is a travel ban automatically applied?
I looked on the Dubai Courts website, and it says the judge has issued a “reserved” order for my case.
Furthermore, when the bank emails, they threaten me with a travel ban. So I am assuming there is no travel ban issued (but I don’t know). I haven’t received any notice of a travel ban.
If there is a travel ban, how do I find out?
I have checked the Dubai police app, and there are no financial crimes against me.
Please advise if you know.
Apr 4, 2025
140
Paid 10% for a Dubai freehold flat but can't proceed. Can I get a refund without signing the SPA? 0
Hello,
I purchased a freehold flat in Dubai and paid an initial 10% while signing the reservation agreement. However, due to financial issues, I am unable to proceed with the next payments.
My question is: Can the developer refund my funds? The 10% payment was made to the developer’s escrow account, but I haven’t signed the SPA yet.
I requested a refund from both the developer and the property agent, but they declined, stating that the money could not be refunded. Is there any way to recover my funds?
Mar 26, 2025
70

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3180 3180 answers •
View allHow to file an online defamation case from the Philippines against someone in Dubai? 0
Hello,
I'm currently looking for legal advice regarding an online defamation case. I am a Filipino citizen currently residing in the Philippines. The person I want to file a complaint against is also a Filipino citizen and is currently based in Dubai.
I have already sought legal consultation, but it cost me a lot for just a simple session. Unfortunately, I don’t think I can afford to proceed with the fees required for sending a warning or demand letter to the person I’m complaining about.
I would really appreciate any help, guidance, or information about possible free or low-cost legal services.
Thank you for your time!
Apr 11, 2025
63
What does Cabinet Resolution No. 1 of 2022 mean with exempting supervisory roles from the provisions of the Labour Law? 0
Dear colleagues,
According to Article 15 of Cabinet Resolution No. 1 of 2022 (“Executive Regulations”), employees occupying supervisory roles are exempt from the provisions of the Labour Law and the Executive Regulations in relation to maximum working hours only if they possess powers equivalent to those of the employer.
Could you please clarify what is meant by "if they possess powers equivalent to those of the employer"?
Currently, we have heads of departments who report to the directors. Will they be eligible for overtime?
Also, those who have a POA to sign contracts will they be eligible?
Or, those who temporarily replace the CEO while he is out, will they be eligible?
Apr 10, 2025
60
Can I request delaying my visa cancellation due to medical unfitness until I retake my medical test? 0
I got a work permit and moved to the UAE. I had a work permit for 2 months, which was supposed to be changed to residency. But I got medically unfit, and the company off-boarded me the same day.
They gave me a grace period of 15 days before cancelling the visa. In these 15 days, I have managed to get my test redone and am in the process now.
Can I ask my agency to let me stay till I get my reports updated, and not to cancel the visa as it's already in the legal limits?
I entered on 2 March, so my visa expired on 2 May. I have taken 1 test and the results are due by the next two weeks (between 14 April and 21 April).
Can I ask them to hold the cancellation because I am pretty sure my reports will be revised?
Apr 10, 2025
43
I have unpaid bank loan and credit cards in Dubai and got a job offer from Kuwait. Can I go there? 0
I have a bank loan in Dubai of AED 20000 and two credit cards from different banks (5000+5000), and the total is AED 30000.
The liability is in Dubai. I left Dubai 10 years ago. Now I have a job offer from Kuwait.
Can I go there?
Apr 10, 2025
91
نزاع بين شركاء مفوضين بالتوقيع على المعاملات البنكية للشركة بشأن شيك وتحويل أموال 0
زوج وزوجة، الزوجة مالكة لشركة بنسبة 50% ولديها شريك أجنبي يملك بنسبة 50%. الشريك مخول بالتوقيع في كافة المعاملات البنكية للشركة والزوجة كذلك لها ذات الصلاحية.
بعدها، غاب الشريك الأجنبي عن الشركة وسافر. ومازالت الشركة نشطة والعمال لايستلمون رواتبهم والشريك قام بتحويل جميع أموال الشركة إلى حسابه الخاص دون علم الشريك الآخر.
ثم تحصلت الزوجة الشريكة على شيك، فقام الشريك الأجنبي بفتح بلاغ خيانة أمانة واستلم زوجها الشيك.
فما هو الحل القانوني من ناحية جزائية وتجارية؟
Mar 27, 2025
69

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910 910 answers •
View allHow much time do I have to start paying after the verdict in the appeal court? 0
Hello,
How much time do I have to start paying after the verdict in the appeal court?
And what's the probability of freezing my account or traffic file if I’m paying?
Apr 11, 2025
69
هل تسقط إجراءات التنفيذ ويُرفَع المنع من السفر بعد دفع مبلغ التنفيذ بالكامل؟ 0
هل تسقط إجراءات التنفيذ ويُرفَع المنع من السفر وتُغلق الدعوى نهائيًا بعد دفع مبلغ التنفيذ بالكامل؟
Apr 11, 2025
48
How to file an online defamation case from the Philippines against someone in Dubai? 0
Hello,
I'm currently looking for legal advice regarding an online defamation case. I am a Filipino citizen currently residing in the Philippines. The person I want to file a complaint against is also a Filipino citizen and is currently based in Dubai.
I have already sought legal consultation, but it cost me a lot for just a simple session. Unfortunately, I don’t think I can afford to proceed with the fees required for sending a warning or demand letter to the person I’m complaining about.
I would really appreciate any help, guidance, or information about possible free or low-cost legal services.
Thank you for your time!
Apr 11, 2025
63
What does Cabinet Resolution No. 1 of 2022 mean with exempting supervisory roles from the provisions of the Labour Law? 0
Dear colleagues,
According to Article 15 of Cabinet Resolution No. 1 of 2022 (“Executive Regulations”), employees occupying supervisory roles are exempt from the provisions of the Labour Law and the Executive Regulations in relation to maximum working hours only if they possess powers equivalent to those of the employer.
Could you please clarify what is meant by "if they possess powers equivalent to those of the employer"?
Currently, we have heads of departments who report to the directors. Will they be eligible for overtime?
Also, those who have a POA to sign contracts will they be eligible?
Or, those who temporarily replace the CEO while he is out, will they be eligible?
Apr 10, 2025
60
Can I request delaying my visa cancellation due to medical unfitness until I retake my medical test? 0
I got a work permit and moved to the UAE. I had a work permit for 2 months, which was supposed to be changed to residency. But I got medically unfit, and the company off-boarded me the same day.
They gave me a grace period of 15 days before cancelling the visa. In these 15 days, I have managed to get my test redone and am in the process now.
Can I ask my agency to let me stay till I get my reports updated, and not to cancel the visa as it's already in the legal limits?
I entered on 2 March, so my visa expired on 2 May. I have taken 1 test and the results are due by the next two weeks (between 14 April and 21 April).
Can I ask them to hold the cancellation because I am pretty sure my reports will be revised?
Apr 10, 2025
43

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718 718 answers •
View allIs it legal to reduce the salary after signing an employment contract? 0
Hello,
Is it legal to reduce the salary after signing an employment contract?
Mar 19, 2025
83
Can the owner of a company escape if there is a cheque execution and travel ban on him? 0
I raised a cheque execution case against a company and its owner and won. There is a travel ban on him. I was receiving installments for three months and now he stopped paying.
The court after request summoned him. In total, he paid only 30% of the owed money. I found that his company license is expired and also in the month his visa will expire.
Does he have any option to avoid payment?
Please note he was deceived by showing no money in his bank account and no assets in his name but he is running multiple businesses.
Also a month ago, he tried to convince me to lift the travel ban but I refused to do so. But he submitted a guarantee and left UAE.
Now the status shows he is back in the UAE and the travel ban imposed again. But after that, he stopped payment.
Is there a 1% chance of him not paying me the remaining money?
Is there a way he can leave the country through the Amnesty program or any of this sort?
Mar 12, 2025
93
In EMARATAX, must two licenses for the same activity in different emirates register separately? 0
Hello,
In EMARATAX (The Federal Tax Authority), if someone has two licenses in different emirates for the same activity, does he need to register two taxable persons, or how should he proceed?
Mar 2, 2025
69
Can a developer demand extra payment for a 30% size increase after handover? 0
Hello,
I purchased a one-bedroom off-plan unit in Dubai from a well-known developer under an SPA specifying an area of 801 sq. ft. I completed all payments as per the developer’s payment plan, and the unit was handed over to me without a Title Deed.
After taking possession, furnishing the unit, signing a tenancy contract, and making repeated follow-ups to obtain my Title Deed, the developer informed me, 45 days after handover, that the actual area was 1,041.41 sq. ft., a 30% increase from the original SPA terms.
To receive my Title Deed, they are now demanding payment for the increased size.
Key issues:
- Failure to notify me before handover about the 30% increase in area.
- The SPA allows for price adjustments for area variations but specifies that such adjustments must be reflected in the final installment, which I had already fully paid before handover.
- The developer has now filed a legal case through Dubai Courts, demanding payment.
I require legal advice based on RERA/DLD laws and the SPA.
Mar 12, 2025
59
How to recover unpaid fees from a client who refuses to pay for online consulting services? 0
Hello,
A client of mine used our consulting services online and is refusing to pay. Despite multiple reminders, she still has not made the payment. What legal action can I take against her?
Mar 7, 2025
79
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