Questions & Answers
Questions & Answers
4 available 4 • View allI had a case and the bank gave me a no-liability certificate after settlement. How to clear the case?

0
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?


Apr 28, 2023
187
Settlement 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
My brother was detained in Sharjah Airport for an old bank debt that he settled


0
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.



Jan 18, 2023
291
Is it safe to withdraw an appeal in my favor as requested by the bank to reach a settlement with them?


1
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.



Jan 7, 2025
79
Legal blog
1 available 1 • View allBounced Cheques in the UAE: What You Need to Know in 2024 291
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.
Oct 15, 2024
221919
Laws & Regulations
1 available 1 • View allFederal 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
148347

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Is it legal to reduce the salary after signing an employment contract?
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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.
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In EMARATAX, must two licenses for the same activity in different emirates register separately? 0
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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?
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Can a developer demand extra payment for a 30% size increase after handover? 0
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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.
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How to recover unpaid fees from a client who refuses to pay for online consulting services? 0
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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?
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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.
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Apr 11, 2025
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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
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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).
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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
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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
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View allI give a cheque to someone who took cash from me then encashed my cheque. How can I get my money back 0
Hi Sir,
I give a company cheque to someone. He took cash from me and then encashed my cheque.
How can I get my money back from him?
Please reply.
Regards.
Apr 11, 2025
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How 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?
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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.
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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
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What can I do if my creditor used my blank cheque to put an amount more than my unpaid balance? 0
Hi,
I have issued a blank cheque for my EMI, and now the company is using my blank cheque and putting any amount to deposit it.
My total unpaid balance is AED 19000, but they mentioned AED 42,030 on the cheque and another AED 10000. They told me they will deposit it to file a case.
What is my remedy on this matter?
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Apr 10, 2025
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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?
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View allMy friend’s storage burnt down in Dubai. What should he do? 0
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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
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I have a civil case in Dubai. Will my visa processing be affected? 0
Hi,
I have a civil case in Dubai. Will this result in my visa being rejected? Will my visa processing be affected?
Mar 28, 2025
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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
I lost the appeal filed by my landlord. What can I do if he illegally keeps my last cheque and deposit? 0
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He said he could cash my last rent cheque and wouldn't return the deposit. I gave him my friend's address and said to pick up the key from there but to return my deposit and last rent cheque but he does not agree.
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Mar 24, 2025
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View allI purchased a rented apartment in Abu Dhabi. Can I evict the tenant immediately if there is no Tawtheeq contact? 0
I recently purchased a rented apartment in Abu Dhabi and agreed to honor the existing lease. After the transfer, I discovered that the lease is not a Tawtheeq contract, meaning it is not officially registered.
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However, I have already informed the tenant that I will not be renewing the lease. I need legal advice on the implications of proceeding without a Tawtheeq contract.
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Mar 25, 2025
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I was evicted from my apartment to be sold but it was gifted and rented at a higher price. What can I do? 0
I was evicted from my apartment after living there for five years. My landlord informed me a year in advance that the lease would not be renewed because he intended to sell the property.
Prior to this, he attempted to impose a rent increase that was not compliant with RERA regulations, which I refused to accept. He then served me with an official Dubai Court eviction notice, citing the need to take back the property for sale.
Five months after I moved out, I discovered the property was rented out at a much higher price. Upon further investigation, I found that the ownership was transferred as a "Gift" rather than a sale.
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What to do if you get terminated and denied gratuity for a minor mistake? 0
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Senior staff like him are working more to train inexperienced new hires which adds to their workload working almost 12 hours/day including travel to DWC.
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How can a person under a deportation grant a POA to a trusted person for managing his assets? 0
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Does it matter whether the cheque was issued to an individual or a company? 0
Hello,
What legal recourse is available in the UAE for a cheque bounce?
Does it matter whether the cheque was issued to an individual or a company?
Does the value of the cheque affect the legal action or process?
Jan 6, 2025
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