Questions & Answers
Questions & Answers
3 available 3 • View allHow to restructure my outstanding loan with the bank that doubled the debt amount?




2
Q: I requested the bank to restructure the outstanding loan for an extended period, with the remaining amount being AED 150,000.
The bank informed me that the new term would be 48 months, but I later received an agreement for 72 months. Upon noticing the discrepancy, I declined the offer, and as a result of the dispute, the bank filed a criminal case against me.
I paid the fine and resolved the issue with the court. Now, after 7 years, they have initiated a cheque execution case for AED 300,000 with a travel ban.
I have an email from the bank stating that the liability is only after the case has been filed AED 150,000. The signature on the cheque is mine, the rest of the details were filled in by the bank, including the total amount of the monthly dues for 72 months.
How can I proceed in this case?
I intend to request an installment option for the original amount of AED 150,000, without any applicable interest discounts as mentioned on the cheque and the case value.





Jan 11, 2024
149
Possible case of fraud with corporate bank accounts

1
Q: I have filed a bounced cheque case in Sharjah courts. The judge appointed an expert meeting.
In the application forms, I found out that my brother and the relationship manager of the bank opened a bank account under a company name in FZE.
They used my signature on the application form and put the company stamp of one of our other company FZC which I am a partner in.
But the bank statement of FZE shows the account's opening date of 2009. Whereas the trade license shows it was formed in 2011.
So how can he open a bank account in 2009 if the company was formed in 2011?
I have a copy of the audit report signed by my brother showing the profits in the FZC. which he took as a dividend and transferred the funds to the FZE which he is 100% shareholder on the audit report. But the company bank account is in my name.
He has transferred all the funds into his own account.
As you can see that there is only a difference in the spelling word C and E between the 2 companies.
Waiting for your reply.


Apr 16, 2020
497
Claim against the bank for presenting a forged cheque of the client

1
Q: Dear Sir,
I had taken a personal loan from a bank of AED 173,000 in 2016 and was paying on time until I lost my job in 2018. The total I paid back is AED 173,875.64, and balance to pay is AED 42,986.90
Currently, I don't have a job and after three months of pending instalment since July 2019, the bank collection agent started calling and saying they will bounce the security cheque.
On 8th Oct they had deposited the cheque and bounced and later I saw in internet banking that the cheque number deposited was different from the one which I had signed during the application process.
As I have the copy of cheque with me, I talked to the agent after that and they insisted that it was the cheque that I signed and they aren't giving me more clarification on that.
Kindly advise, what if they go for a case of the deposited cheque with a different serial number?


Oct 10, 2019
1358
Legal blog
2 available 2 • 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
222068
Committing Forgery in Official Documents and its Consequences in the UAE 27
There are always conditions where people may fail to provide sufficient documents of a certain business or project they are willing to engage in, so they tend to commit an act of forgery with their documents to meet the requirements. But this act is a crime and it has consequences in law which we will try to cover in this article.
Dec 7, 2020
23248
Laws & Regulations
3 available 3 • View allFederal Decree-Law No. (31) of 2021 Promulgating the Crimes and Penalties Law 0
The provisions of this Federal Decree-Law No. (31) of 2021 Promulgating the Crimes and Penalties Law, known as the "New UAE Penal Code", governs criminal actions in the United Arab Emirates. The New Penal Code repeals the previous UAE Penal Code (Federal Law No. (3) of 1987 Promulgating the Penal Code).
Sep 20, 2021
480
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
148415
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
19099

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DeFi was going to be the future of finance, open, trustless, unstoppable. I was completely on board, planting yields like some kind of digital Johnny Appleseed.
My collateral secured with Bitcoin was humming along on my favorite lending platform, earning me passive income while I slept. In came the flash loan attack.
One moment, I had six figures securely staked; the next, my positions were liquidated at the speed of regret. My loans, my collateral, my well-thought-out portfolio, poof.
Panic came faster than an Ethereum gas spike. I scanned Twitter, hoping it was FUD. Not a chance. Smart contract compromised. Funds stolen. The protocol team acted swiftly to do something, but damage was already done.
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Am I allowed to wear a burka during the divorce hearing at the family court? 0
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Am I allowed to wear a burka during the divorce hearing at the family court?
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Can I use my husband's case number to get information about his exit date? 0
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I have my husband's case number. Can I get information about his exit date using the case number?
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What to do if the bank filed case on me using security cheques and executed travel ban? 0
The bank filed a case against me using security cheques and executed a travel ban from Dubai Courts.
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View allI removed my absconding and applied to reduce my overstay fine. Can I get a new visa now without exiting the country? 0
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I removed my absconding and applied to reduce my overstay fine.
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Is a bounced rent cheque case considered a criminal record for U.S. visa applications? 0
Hello,
My rent cheque was bounced, and my landlord filed a case against me in Sharjah Court. I received a fine of 2,000 AED, which was later reduced to 1,000 AED upon appeal.
Does this case count as a criminal conviction under UAE law, or was it handled as a civil matter?
If I apply for a U.S. visa, will I need to submit court records under the requirement for applicants with past convictions?
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How can I renew my Ejari if the landlord hasn’t signed the new contract? 0
Hi,
I have been here for 3 years now and paid the increased amount (as per the agreement) for the 4th year.
However, the landlord did not send me back the signed contract, although I have both made the payment for the full year via bank transfer and sent my signed contract to him.
I need to renew my Ejari; however, how can I do it without the landlord's signature?
I have all the previous contracts signed by both parties, along with the Ejari for those contracts.
Apr 14, 2025
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How can I file a counter-complaint for a false public cursing accusation? 0
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How can I file a counter-complaint against a person who made a false report about me for public cursing, which I never did?
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I got a work permit and entry from a Dubai employer for work. What documents do I need to carry? 0
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View allMy tenant was supposed to vacate as per the contract. Can I rent the property to another tenant? 0
Good morning.
My tenant was supposed to vacate the property on 15th April 2025 as per the contract.
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Please guide the way forward. I have already rented the property to a new tenant.
Apr 16, 2025
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How can we recover a salary advance to a new employee if he fails to come to duty and uses alcohol? 0
As the HR manager of a company, I have issued a salary advance to the employee. Upon joining, he failed to go to duty and used alcohol daily in the camp.
I have a signed thumb-impression cash receipt. What options do I have to recover the AED 7000 advance paid to the employee?
Please help.
Regards,
B.
Apr 16, 2025
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Am I allowed to wear a burka during the divorce hearing at the family court? 0
Hello,
Am I allowed to wear a burka during the divorce hearing at the family court?
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What countersuit can be filed against an employer for a false absconding case? 0
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What countersuit can I file against an employer who filed a false absconding case against an employee?
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Is a bounced rent cheque case considered a criminal record for U.S. visa applications? 0
Hello,
My rent cheque was bounced, and my landlord filed a case against me in Sharjah Court. I received a fine of 2,000 AED, which was later reduced to 1,000 AED upon appeal.
Does this case count as a criminal conviction under UAE law, or was it handled as a civil matter?
If I apply for a U.S. visa, will I need to submit court records under the requirement for applicants with past convictions?
Apr 15, 2025
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556 556 answers •
View allMy tenant was supposed to vacate as per the contract. Can I rent the property to another tenant? 0
Good morning.
My tenant was supposed to vacate the property on 15th April 2025 as per the contract.
Now he is not answering the phone, and the property is still in use.
Please guide the way forward. I have already rented the property to a new tenant.
Apr 16, 2025
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Am I allowed to wear a burka during the divorce hearing at the family court? 0
Hello,
Am I allowed to wear a burka during the divorce hearing at the family court?
Apr 16, 2025
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What are the penalties for not returning from vacation after several months or a year? 0
Hello,
Good afternoon!
Can somebody tell me what happens if someone went on vacation and didn’t come back in one month?
What penalties will they face if they want to come back after 1 year or after some months and not to the same company?
Apr 15, 2025
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What to do if the bank filed case on me using security cheques and executed travel ban? 0
The bank filed a case against me using security cheques and executed a travel ban from Dubai Courts.
Apr 15, 2025
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How can I cancel my current visa immediately without serving notice? 0
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I got an offer letter from another company. I want the immediate cancellation paper before 20th April.
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View allWhat can I do about constant noise from my upstairs neighbors? 0
Hello,
My neighbors on the upper floor are causing noise throughout the day, almost 24/7. They keep dragging furniture, dropping heavy objects, and slamming doors.
The property manager was not very helpful, and I cannot sleep or take power naps. I sleep when they do and wake up when they wake up.
Also, there are 6 family members in a one-bedroom apartment in Dubai.
Apr 16, 2025
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My tenant was supposed to vacate as per the contract. Can I rent the property to another tenant? 0
Good morning.
My tenant was supposed to vacate the property on 15th April 2025 as per the contract.
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Please guide the way forward. I have already rented the property to a new tenant.
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Do smart police stations in Dubai override official filing hours for legal deadlines? 0
Dear Lawyers,
The case needs to be filed during official working hours, on a subsequent working day (if the last day falls on an official holiday), in Dubai.
With Smart Police Stations operating 24/7, how are these situations considered?
Should the case be filed during working hours, say before 3 PM, etc.?
Apr 16, 2025
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Am I allowed to wear a burka during the divorce hearing at the family court? 0
Hello,
Am I allowed to wear a burka during the divorce hearing at the family court?
Apr 16, 2025
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Can I use my husband's case number to get information about his exit date? 0
Hello,
I have my husband's case number. Can I get information about his exit date using the case number?
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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
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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
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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?
Mar 2, 2025
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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:
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Mar 12, 2025
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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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