Q: Dear Ahmed, Eid Mubarak! I lost my job two years back and I have been on a couple of visit visas without luck! I have a loan which I was able to pay the first few months of being laid off, however, I couldn't afford to until the bank deposited one of the security cheques. I was arrested while exiting the country, and fined where I was handed over my passport. I am back on a visit to look for a job but the bank has threatened to open a civil case, what are my options? Will they take me to jail? Is there a way I can request the court to allow me to pay little instalments until I get a job? Kindly advise

Q: I have a personal loan with a local bank. I lost my job and defaulted in the last few months. The current outstanding is AED 179,000. They presented a cheque of AED 472k, paid the fine and came out a few months before. Now, they are calling about a civil case if not paid within this month. Please advise

Q: Hi. I would like to ask a question. I had a bank loan in 2013, and due to crises, I lost my job in 2015 and couldn't continue my loan instalments. But now, I got a job in Dubai, and before coming to Dubai I spoke to the bank from my home country to remove police case and allow me to come to Dubai. The outstanding amount was AED 68K. The bank gave me a release letter with the help of Central Bank on the condition that I will continue my loan instalments, but my salary is not that big to be able to continue. So now the bank is telling me they will make a travel ban and civil case against me. My question is if bank files a case and I pay a fine in court against the cheque bounce, will the central bank or local bank still make another case or travel ban? Please help me and give your advice. Thank you

Q: I left the UAE in 5/16. I had a car that was supposedly sold by my company, also as part of my leaving package all my debt (credit cards) where to be met by my company. Only recently I’ve found this not to be, they have moved the liability around. I am working in the US and need to travel to Dubai in a change-over stop. I lived there for 8 years. Will I be held at the customs on the flight transition, or I will be able to travel through? My company are not helping. Can you please help me?

Q: Dear Sir, Good day. I had a credit card with a bank in the past in 2016 and my credit limit was AED 7500. I lost my job so I was not able to pay this amount at that time. The bank filed a criminal case against me and I went to jail for one month in 2016. Now, the bank called me again and asked about the payment, but I'm still not able to pay. The recovery agent told me they are filing a civil case against me and they're asking me to pay AED 29000. How is it possible as my card limit is 7500 only and that time the bank filed a case against me for AED 10000? What should I do in this case? Please assist me

The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.

With the introduction of the new procedures for obtaining a power of attorney (POA) remotely in the UAE, after it was mandatory to appear in person in front of the notary public as a global rule to ensure the identity and intention of the person requesting a POA, we put between your hands this brief guide for how you get it done.

This Law applies to merchants, as well as to all acts of commerce carried out in the UAE by any person even though he be not a trader. Commercial matters regarding which specific Federal laws are issued shall be subject to the provisions of such laws, and to the provisions hereof which do not contradict with said laws.

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.