Questions & Answers
Questions & Answers
8 available 8 • View allRight of the bank to hold EOSB against credit card debts
0
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

Jul 24, 2019
1169
Taking action against a bank for freezing the EOSB without consent

1
Q: Good morning,
I work for the MOE. I changed the emirate and they paid out my End of Service Benefit.
My salary is still the same and I am still employed by the MOE. My bank put a freeze on my EOSB and subsequently used it to pay down my loan and credit card.
Their reason was that my debt ratio was too high. I did not give them permission to do that but they did it anyway. I have never been late in paying them and I have been a customer since 2016.
My question is, can the bank legally do that?
Do I have to file a case against them?
Also, how to stop the bank from taking my entire salary to pay down their debt if they can take my EOSB even though I am still working with the same company; with the same salary being deposited into the bank?
Please advise!


Mar 21, 2020
2855
How to settle a salary transfer loan in court?

2
Q: I have just lost a job with three months of garden leave till 30th June 2021. The salary transfer loan amounts to AED 600,000 outstanding.
There is of course a signed blank cheque given to the bank. What options do I have to settle the loan with the bank?
My preference would be to go to court and fight against the bank to settle.


Apr 18, 2021
433
Can the bank hold my EOSB and last salary against my credit cards and loan?
6
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.

Aug 5, 2021
1874
Can the bank freeze my end-of-service benefits even if I did not miss any payment?

0
Q: Hi,
I am out of my job. My end-of-service money got blocked since I still have a personal loan for 2 more years.
I plan to find another job and I am not leaving the UAE. Also, my husband is working here for many years.
How can I release my end-of-service money?


Mar 8, 2023
1044
Can the bank hold my EOSB after submitting all the documents for the new job?
0
Q: Hello,
My EOSB from my previous employer was credited and kept on hold by my bank, though my new employment documents were updated within the timeframe.
Still, the gratuity amount was adjusted to the loan without my consent.
Is it legal to do so?
In addition to the above, instead of adjusting the amount from my gratuity, they deducted it from my available funds which I have access to without informing me.
R.

Mar 8, 2024
273
هل يحق للبنك حجز كامل الراتب بسبب تنفيذ شيك من دون رصيد؟



1
س: السلام عليكم،
صدر قرار من المحكمة بسبب تنفيذ شيك من دون رصيد بمبلغ 24 ألف درهم. حجز البنك الذي أستلم منه الراتب الحساب والأموال الموجودة فيه. هل يحق للبنك حجز كامل الراتب المستلَم؟
مع العلم أنه يجب ربع الراتب فقط، ولكنه حجز الراتب بأكمله. ماذا أفعل في هذه الحالة؟




Jul 23, 2024
117
Can a new bank account be linked to debts from another bank tied to a salary account?




1
Q: Dear Lawyers,
I have a travel ban and need to pay a 35k amount to the bank. Recently, the bank linked this amount to my salary account, showing a negative balance in my current account.
Kindly advise if I open a new bank account, can the other bank link it for my due amount?
Can I change my visa during the travel ban?





+2
Nov 19, 2024
134
Legal blog
1 available 1 • View allAn Overview of the New UAE Labor Law and Recent Amendments of 2024 233
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.
Sep 10, 2024
90407
Laws & Regulations
2 available 2 • View allFederal Law No. (8) of 1980 Concerning the Regulation of Labor Relations 53
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.
Apr 20, 1980
103606
Federal Decree-Law No. (33) of 2021 On the Regulation of Labor Relations 34
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).
Sep 20, 2021
26392

Other answers by
80 80 answers •
View allDeducting visa costs when resigning after more than a year of work 0
Hello sir,
I have been working for 1 year and 6 months in a restaurant without a vacation. Due to my health, I had resigned, and when receiving my payment, they had deducted 4200 for the visa.
Please I want to know if it is allowed to pay for the visa.
Thank you!
Mar 15, 2021
1045
Is it legal to invest in a crowdfunding outside the UAE? 0
Regarding investment in a UK-based crowdfunding platform from the UAE
I am a UAE (Dubai) resident. Is it legal to invest in a startup that is based in Cayman Island and London through UK based crowdfunding platform (crowdcube.com) from the UAE?
Looking for precious advice.
Thank you!
Mar 9, 2021
616
Filing a case for wrongfully encashing a guarantee cheque 0
3 years back I had given a post-dated cheque as a guarantee to a person whom I had to pay the money.
In 3 years time before the due date of the post-dated cheque, I had paid him partially by cash and cheque for which I have his signed vouchers and the PDC cheque details.
He was supposed to return back my PDC on the due date and collect the balance amount that was around AED 4000. The cheque value was AED 115,000.
On the due date, he demanded more money from me and when I refused, he bounced the cheque and filed a cheque bounce case.
He said I gave him a cheque of a closed bank account when he asked the money back and claimed the full amount. I was arrested and had to pay the fine for the cheque bounce case.
With the agreement I have with me and the payment voucher proof, can I sue him back for the false accusation?
And can I claim compensation for spoiling my name and image?
Dec 13, 2019
1641
Suing an employer for unpaid loan taken on the name of employee 0
Salam,
I was working in Dubai and I needed a 50k loan from the company. My boss told me to do him a favour and take a 700000 loan from the bank then take 50k.
I said how. He planned everything and deposited 30k salary on my account and verify from HR and accounts.
The bank agent gave me the loan he paid instalments almost for one year and then he terminated me and said don't worry we will pay your loan.
After I came back to Pakistan, they are paying but after 3-4 months like that, the recovery company calls me in Pakistan daily. what can I do?
If I come to Dubai and make a case on my boss, will the bank help me or I have to hire lawyer?
Feb 22, 2019
1174
The consequences of resignation in a limited labour contract 0
Dear Sir,
I hope you are doing well.
My neighbour brother went earlier to Dubai for packing work in a hotel for 2 months. Due to the condition of work & not getting a proper salary, he decided to resign from his job.
When he intimated the same to the employer they said he should pay AED 4500 before leaving & his own ticket. He is from a very poor background that's why he came for AED 900 salary.
But he gets actually 750 only without food. Need your kind support to help him to come back to India.
Feb 19, 2019
3346
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