Q: I had a court case in 2019. I paid 52500 dhs to the bank after settlement. The bank gave me a no-liability certificate but is very slow in withdrawing the case to get clearance from the court and submit it to the police station. I need to go to Abu Dhabi as soon as possible. Can I apply for a visit visa while the case is still in the judiciary system? Will it get approved? How long normally takes if I wait for the bank to clear the case? Is this not the bank's responsibility to give me clearance from both the court and the police station?

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?

Q: My brother was detained last week in Sharjah Airport when he was traveling from Saudi Arabia stating there is a cheque bounce case. Further, looking into details we found that there is an open case in his name raised by a bank that issued a credit card to my brother when he was working in Abu Dhabi back in 2018. There was a credit card payment due when he moved back to his home country from Abu Dhabi in 2018. Later, he coordinated with collection people and settled the matter by paying dues. There is an email communication evidence in 2019 from bank officers that all dues are paid and settled and they will issue a clearance certificate which we never got. The settlement has happened with the bank but the police case was never closed as it seems. Now my brother is in jail for no fault. He is taken to Abu Dhabi and now planning to take him to Dubai for the court appearance. What should we do with this situation? My brother is facing all this trouble for no reason.

Q: Salam, I have a genuine request to everyone, please reply for the sake of humanity. I had borrowed a personal loan from the bank in 2017 which I could not pay at a later stage. A police criminal case was filed against me and I paid the fine. Years later, a civil case was also filed thus the travel ban. I somehow requested the bank to look into the matter, and they did not give me any discount but gave me installments to pay. I paid a 45k down payment against the outstanding of 115k and now I am paying 3k every month. On the 31st of December, we received the court verdict which was in my favor. Now the bank is insisting on me to withdraw the appeal as per my understanding after signing the agreement and they were supposed to withdraw the case against me. Now they are forcing me to take back the appeal since I am eligible for the court fee refund. If I withdraw the appeal, I will lose my money. Kindly advise what I should do. The bank is threatening to put a travel ban on me.

Q: Good Day, May I ask what the maximum time is to get approval for the reconciliation enforcement request for the Debtor Installment? A criminal case was served and closed, but a civil case is active; that's why there is an execution. Once I get approved, can I apply for a new visa? Thank you.

In the UAE, cheque bounce is a very frequent problem faced by people during their span in the country. It is covered under the purview of Commercial Transactions Law, and legal implications/penalties can be financially severe and daunting for more “serious” offenses. Bounced cheque issues may arise in a variety of commercial transactions, including but not limited to, companies’ exchanges, bank loans, property rents or purchases, and individual transactions.

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.