How can I refund the amount of online tickets in Dubai for fraudulant misrepresentation?

Dear questioner

In the UAE, when a transaction is authenticated by an OTP, banks often consider it as authorization from the customer, which can make a chargeback difficult.

Follow up with the cybersecurity and ask them to investigate the merchant ("some Dubai tickets website") for fraudulent activity.

Banks can initiate chargebacks against fraudulent merchants, and this is typically a more effective route for recovery.

If you can still access it, take screenshots of the "some Dubai tickets website," especially the page where it showed AED 225.

If you need further clarification, kindly share your WhatsApp number.

Dear Questioner,

Thank you for reaching out. I'm sorry to hear about the situation — I understand how urgent this is, especially with your rent due.

Based on what you've described, here are your immediate options under UAE law:

Bank Dispute Process

Since you did not authorize a payment of AED 4,225 and were misled by the website interface, you should urgently submit a written dispute form to Mashreq Bank (if not already done).

Clearly explain that the OTP was auto-filled, and the actual amount was not visible at the time of confirmation. Attach all relevant evidence: screenshots, SMS messages, payment confirmations, and website details.

Central Bank Complaint

It’s good that you've already filed a complaint with the Central Bank. Be sure to keep the complaint reference number and follow up regularly. The Central Bank can instruct the bank to investigate and take appropriate action.

Cybercrime Report

Since this may involve deceptive or fraudulent behavior, I recommend also reporting the incident through Dubai Police’s eCrime portal. If the website is indeed fraudulent, an official investigation can be initiated.

Next Steps

If the merchant can be identified, we may explore recovery options through a small claims case or a formal demand, depending on whether the business is registered in the UAE.

Please let me know if you would like assistance in drafting the dispute letter or complaint follow-up — I’d be happy to help.

Wishing you a swift and positive resolution.

Best regards,

Mohammed Salah

Legal Consultant

Dear Client,

Thank you for reaching out and sharing the details of your situation. We understand how concerning unexpected deductions can be, especially with important financial commitments like rent approaching.

We commend you for promptly contacting Mashreq Bank and registering complaints with the Central Bank and cybercrime authorities—these are critical steps in resolving such matters.

To assist you further, we offer professional support services including:

• Guidance on navigating dispute resolution processes with your bank

• Assistance in preparing and submitting formal complaints and documentation

• Liaising with financial institutions and regulatory authorities on your behalf

• Providing advice on safeguarding your financial transactions in the future

Please feel free to contact us directly by phone so we can discuss your case in detail and provide tailored support to help you recover your funds as swiftly as possible.

We are here to support you every step of the way.

Best regards,

Dear Inquirer

We are pleased to serve you and address your inquiries.

You can file a criminal report with the police about the fraud you were subjected to, and submit your complaint to the bank.

Contact us via email or call our offices in Dubai, Sharjah, or RAK.

Jasim Al Haddad Advocates & Legal Consultants

Thank you for reaching out regarding the unauthorized deduction from your account during the ticket booking process.

From your description, it appears you have been a victim of a fraudulent or mistaken transaction, possibly linked to a phishing or payment scam.

Since you have already taken the important first steps by reporting the matter to your Bank, the Central Bank, and the Cybersecurity authorities, the next best step is to pursue a formal legal claim for recovery if the bank fails to reverse the transaction voluntarily.

You have the right under UAE banking and consumer protection laws to seek reimbursement for unauthorized transactions.

However, these cases can require detailed evidence and legal follow-up to hold the bank or involved parties accountable.

Given the urgency due to your upcoming rent, I recommend scheduling a consultation to review your documents and complaint filings and to advise you on the best legal course to expedite recovery.

Please feel free to contact me directly via WhatsApp or phone so we can discuss your situation in detail and take immediate action.

Looking forward to assisting you.

Best regards,

Suhail Rana