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What can I do if my creditor used my blank cheque to put an amount more than my unpaid balance?

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?

Thank you.

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Fawzia Mohammad Lawyers & Legal Consultancy
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10 Apr 2025, 05:10

Hello,

I hope you are doing well.

This is from Fawzia Mohd Lawyers and Legal Consultancy. Thank you for reaching out.

If a blank cheque has been misused or an inflated amount has been added without agreement, this may be considered cheque abuse, and you could have legal remedies.

You may be able to challenge the amount and file a complaint or defense depending on the situation.

For detailed legal advice on how to protect yourself and proceed, please contact us by phone or email to book a consultation. We offer 15 minutes free for our clients, as they are our priority.

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Rashid Khalil Obaid Advocates and Legal Consultancy
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10 Apr 2025, 05:53

You are obligated to pay the actual amount you owe them, even if they file a case against you for a huge amount.

They are misusing a blank cheque you provided for a specific purpose (EMI payments) by filling in an unauthorized and inflated amount.

Try to negotiate with them for a settlement for the actual amount. If they are not willing to cooperate and are still pursuing legal action, we can defend them in court.

We will let you know the procedures to be undertaken in detail. Kindly share your WhatsApp number to discuss further.

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Future Vision Advocates Legal Consultancy
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10 Apr 2025, 06:35

Dear Inquirer,

Thank you for your message.

Using a blank cheque to claim an inflated amount can be considered misuse of the cheque and may be challenged legally.

If the cheque was filled with an amount not agreed upon, you may have grounds to file a criminal complaint or a civil case, depending on the circumstances.

Immediate legal action can help prevent further misuse and protect your rights.

We recommend that you book a legal consultation with Future Vision for Advocacy and Legal Consultancy or authorize our office to represent you in this matter.

We are happy at Future Vision Law Advocates and Legal Consultancy to assist you and provide the best legal services that meet your needs.

To contact us, you can call or WhatsApp us.

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London Center for Legal Consultancy Office
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10 Apr 2025, 07:01

Under UAE law, the company is not allowed to fill the cheque with an amount exceeding your actual outstanding balance.

You can challenge this in court and request to cancel the excess amount on the cheque.

Our legal center specializes in these cases, and you can contact us via WhatsApp for further details and legal support.

We are honored to provide you with specialized legal support for your case.

If you have any further inquiries regarding your matter, we would be happy to assist you.

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Al Fahad Legal Consulting
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10 Apr 2025, 07:56

Dear Questioner,

Thank you for your inquiry.

You may have a valid defense and counterclaim if the cheque was clearly misused and the amount entered does not reflect your actual liability.

UAE law allows you to challenge such misuse, especially if supported by written proof.

Please let us know if you would like legal representation or assistance in filing a complaint or defending the case.

Best regards,

Mohammed Salah

Legal Consultant

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