Q: Last October 2017, my security cheque for my personal loan bounced because I was two months delayed. When I found out that my cheque bounced, I coordinated with the bank, and they advised me that I need to submit a new cheque and new salary transfer certificate to them and they won't file a case. I submitted the required documents and paid some amount as well. Last February 21, 2018, I was planning to go to Georgia for vacation and I was arrested due to a case filed by the bank. I was surprised because I knew that they will not file a case and no one from the bank informed me that I have a case. The case was filed last November 12, 2017, and I even had communication with the bank for loan re-structuring and during that time they didn't even tell me that I have a case. I paid AED 10k fine for the case. I was really disappointed by the bank gesture. Why would I go to Georgia if I know that I have a case? I almost spent 5 days in jail. Please let me know your advice. Thank you very much.

Q: Hello, I am currently in India and I have already received the release letter from the bank for the outstanding loan, but when I check online from India on Dubai police website it is still showing that I have bounced cheque on my name. I am planning to travel and want to make sure if there will be any problem and how it will be cleared. The bank informed me that I need to get a clearance done from the court and take that to the police station to get the case released.

Q: Hi Mr Muhyealdeen, I was hoping you could answer a quick question for me. If I have an open legal case against me raised by a bank for unpaid liability, then the liability is paid off, are they obliged to close that legal case and/or issue a NOC? The reason I ask is that my bank won't close it as I have another outstanding liability and in negotiations to settle, they can only open a civil case for that one, not a legal one. So my question is, are they legally allowed to keep a case open for a liability that's been paid off? Can they be forced to close it? Thanks

Q: Dear Sir, I have not paid a loan amount of AED 82000/- due to job loss. The bank is threatening to deposit a security cheque for AED 220,000/-. How will the bank deposit more than the outstanding amount? If the amount exceeds the cheque amount of AED 200,000/-, what is the next action by me? Please clarify Thanks and regards Seshad

Q: Dear Madam, I took a personal loan from a bank for AED162,000/- and paid AED 139,000/-. Now, the balance is 84,000/- (with interest). I received information that the bank has filed a case for AED 219,000/-. I did not pay the monthly EMI of AED 4,538/- for more than 6 months due to job loss. How is the bank filing a case for 219,000/- instead of the actual amount? What is the procedure to reply to the bank against this case? Please advise. Thanks and regards, S.

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?

Q: Dear Mr Ibrahim, I have a dispute with my mortgage bank. They have been overcharging me, I am sure of it. It is Islamic finance and after 11 years of paying a total of AED 1.2M, my principal has only reduced by 100,000 dirhams. I have asked them for all my statements and calculations but they do not respond. I am applying for Canadian PR. I am concerned they will bounce my security cheque to put pressure on me and then I will not get PCC. Can we approach the court to let them know this is a dispute and remove the bounced cheque from records as I wish to settle with the bank but they do not respond? Thanks

Q: Good evening sir I have a cheque bounce case for my personal loan. The bank deposited the security cheque for the amount of 430,000 and the case was reported in Jebel Ali police station on 24/06/2018. Now the case penalty has been referred to the court of Misdemeanor & Violations. Could you advise how I need to proceed further?

Q: Dear sir/madam, I was misled by information from the credit card company, due to which they overcharged me and was unlawfully demanding the amount to be cleared even though the mistake was from their side. They just deleted the email from their side when I highlighted they made a mistake in their communication and it wasn't my mistake. After this, they kept on harassing me and then I stopped paying my loan and credit card asking them to clear the issue. But instead, they bounced the cheque for 65k even though my card pending was 6k and the loan amount was for 29k AED. I now have a police case. What am I best supposed to do in this case?

Q: My brother left the UAE a few years back and his credit cards are not settled yet. He does not know if there is any case filed against him. He is negotiating with the banks for settlement but it’s yet not done. He has plans to travel to Europe for a job and some flights are connecting via UAE. Can he travel via UAE?

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 promulgates the Federal Penal Code (Criminal Law) of the United Arab Emirates. Crimes and chastisement punishments shall be determined in accordance with the provisions of this Law and other penal codes.

The provisions of this Decree by Law amend the Federal Law No. (18) of 1993 by replacing Clause (4) of Article (379) as well as Articles (600), (617), (641), (642), (643), (644), and adding new articles numbered (635) Bis, (641) Bis (1), (641) Bis (2), (641) Bis (3), (641) Bis (4), (643) Bis (1), (643) Bis (2), (644) Bis (1) and (644) Bis (2). The Decree-Law also repeals Articles (401), (402) and (403) of the Federal Law No. (3) of 1987.