Q: My contract was terminated after four years of service and I have received the End of Service payment to my bank account, but this amount was immediately blocked. I have contacted the bank to release the amount. I also said that I want to continue normal payments of loan instalments. I still have about 24 monthly payments, but the payment is only for 9. Can the bank agree that I make instalment payments if I am no longer in the UAE?

Q: I need your assistance, please. I believe that the Central Bank of the UAE may freeze the bank account of a terminated employee. We have a client in the UAE and need to know what the employer’s obligation is to inform the bank when an employee’s contract is being terminated. Is there a specific format that must be used to inform the bank or what is expected of the employer?

Q: Can a bank freeze my gratuity if my new company is not listed?

Q: My final settlement was sent to my Bank. They have put it on hold because I have a personal loan and a car loan until I provide a salary transfer letter from my new employer and a stamped visa page on my passport. I needed a cash advance so I suggested that I will pay off the balance of my personal loan that they can release the settlement in my account. They refused saying that they can't because of the car loan. I argued that the car loan is against a guarantee cheque and not against the salary transfer letter from my previous employer. They still refused to release the money. What are my legal rights? Is there any procedures I can take to get my settlement now as the visa process is taking long and I don't know when I will get it... Please help... Sincerely, Nawar  

Q: Can my bank loan affect the end of service benefits, even if there is no salary transfer agreement with my employer and the bank?

Q: Hello, As I have resigned from my job, my last salary was marked and has been put on hold by the bank due to a salary loan. My question is, can the bank call my employer regarding my end of service payment?

Q: I got my EOSB but my bank holds the amount due to credit card outstanding. How will I arrange this one if I already left the UAE for good? Thank you

Q: Hello, I have a loan with a local bank and I just changed the job with a better package. But unfortunately, the new company is not listed with the bank and my EOSB is on hold. In that context 1) My new company is listed in an international bank. Can I arrange a direct debit option? 2) Can my existing bank deduct the upcoming EMI from EOSB's? 3) Will there be a travel ban if my payments are regular to the bank? I have a loan but not transferring my salaries.

Q: Hi, I would like to ask for advice. I worked in a semi-government laboratory here in the UAE. Recently, it was acquired by another government entity and our end-of-service benefits were credited to my bank of which I have a loan and credit card. The EOSB was held by the bank. I have never missed any installment as my salary is also remitted in the same bank. I submitted all the documents required. I have no changes in my salary and benefits with the present employment. What remedy can I avail for the bank to release my EOSB? I already contacted them about this but the customer service is always telling me to wait for the call of the concerned department, which I have not received until today. Thank you.

Q: I changed my job and received my EOSB from my previous employer, however, my bank is holding this amount. Unfortunately, my previous employer didn’t separate my final salary and gratuity as the details on my transaction state EOSB. I found out that this shouldn't be the case and understood that the Employer is responsible to separate this. Is there a way I can get the salary amount to my disposal and the bank keeps the rest against my outstanding credit cards & loan? Please note that I have not missed any payments against my outstanding I have provided the bank with my new visa, salary certificate, Emirates ID as requested. Still, I have been told they will not release my EOSB. I have already received a new employment salary on the same account. I would be grateful for your advice.

Q: I have been regularly paying my monthly installments until I lost my job and I know that the bank will deduct the amount from my EOSB until I get a new job. When I got my new job and processed all the documents like my visa and EID, I immediately submitted them to the bank along with my salary certificate which shows that I have the same salary from my previous employment and the same amount was used as the basis when the bank approved my loan. So basically, I will be able to pay the same EMI. I have been going to the bank several times to check the status of my request for the release of the EOSB and each time I go, they have different statements. Finally, I got a call and the bank says they won't release it as it has to be partially used as a payment for my loan. What can I do?

Q: I have a loan from a bank and I have changed my job, the bank is holding my end of service. It's been 4 months now and my new salary is transferred to them and I never defaulted on a payment. what to do? Noting that my new salary is higher than the old one but the bank is claiming that my new company is not registered with them and rejecting to release the amounts. P.S. The original loan amount is 550K (including interest) balance amount to be paid is 380 K and my EOS is 195K.

Q: I have canceled my visa from my current employer and I am exiting the UAE, but I will come back to the UAE after 3 months on another employer visa. So, do I have to clear the debts of all my credit cards before exiting or can I keep using it since I have to come back after 3 months?

The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.

The UAE has adopted a major reform in its legislative system that brought about 40 new laws and amendments to the company law, criminal law, personal status, among others. The amendments aim to develop the legislative structure in various sectors, the labor law being one of these, was the most recent. We try in this article to shed light on the changes introduced with the new labor law and their significance on both, the employer and employee.

The provisions of this Law, known as "UAE Labour Law", govern the relationship between employers and employees and other labour matters in the United Arab Emirates. There are special labour related regulations applicable in some of the free zones in the UAE.

The provisions of this Decree-Law, known as "New UAE Labor Law", govern labour relations in the private sector of the United Arab Emirates. The New Labor Law repeals the previous UAE Labor Law (Federal Law No. (8) of 1980).