Q: Good day, I'm using a credit card with one of the banks in the UAE. I received an SMS stating that my card was added to Apple Pay, followed by a debit transaction of AED 15,000, then two OTPs, and finally seven debit transactions. By the time I blocked the card, a total of eight transactions had occurred, amounting to more than AED 90,000. I immediately called the bank after blocking the card and reported all the fraudulent transactions. I also sent Dispute Forms the same day. The next week, the bank sent me an email rejecting all dispute transactions, stating that they were done in a secure environment with Apple Wallet, etc., and were tokenized transactions. Now they are asking me to pay all outstanding amounts. I did not authorize these transactions, never entered any OTP anywhere, and informed the bank within less than one hour of these fraudulent transactions. How can I resolve this situation? Do I have a chance of winning if I file a civil case?

Q: Dear Sir/Madam, Our credit card was defrauded, and after months of investigation, the bank has said they will not cover the fraudulent transactions. What can we do?

Q: Dear Sir/Madam, I was robbed recently in Dubai. The robbers assaulted me. They bound my hands and legs and battered me. They stopped my breathing and asked for the pin codes of my debit/credit cards and forcefully took card details and withdraw cash from my debit and credit cards. After withdrawing the cash/transaction, they left me alive, released me, and ran away. I immediately called the call center and block all the credit/debit cards and visited the police station and registered a complaint against the criminals. The Dubai police caught one of the criminals (out of 6). The case is now with the criminal court. As I was holding credit cards of various banks, robbers utilized the cash limits of all credit cards. Now the banks are chasing me to repay the amounts withdrawn. Please give me a general idea, what do I need to do? Do I need to file a civil case? Further, I don’t have money to pay to the bank and I can never pay to the banks considering that I have not taken that money. Please advise!

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.