Questions & Answers - Legal Advice Middle East

Bounced cheque case for defaulting on loan payments

Q: Hi. I have a case filed against me by the bank last month end for failing to pay 2 EMIs. I have been unemployed since April 2017 and have managed to pay my EMIs from the settlement I received from my previous company and some other EMIs by borrowing money from friends and families. I have not been able to find suitable employment during this time and I have AED 52,000 to pay the bank (the original amount being AED 254,000). The cheque bounced by the bank is for an amount of AED 77,100.00. My overdue EMI is AED 9,800, while my outstanding is AED 52,000. The 4-year loan will finish tenure by July 2019. Before the case was registered by the bank, I had emailed them (also spoke with their rep) to give me a loan deferment, however, they chose not to respond. Please advise on the next possible actions. I still have not received any calls from any legal authorities. Will I have to face jail term or deportation?

إلغاء قرار إبعاد صادر استناداً لحكم جزائي

س: السلام عليكم ورحمة الله وبركاته أنا عراقي كنت مقيم بالإمارات. تم اتهامي بمحكمة العين بقضية خيانة أمانة وتم سجني سنة وإبعادي من دولة الإمارات سنة ٢٠٠١. واليوم للضرورة القصوى أصبحت معظم شركات العالم في دبي وأحتاج إلى رفع المنع للاتصال بالشركات هناك. في سنه ٢٠١١ حصلت على فيزا من شركة طيران دبي، وعند وصولي لمطار دبي أخبروني أنه لدي منع من دخول الإمارات وسألوني كيف اأصدرت لشركة والجوازات فيزا لدخول الامارات وأنا اسمي مسجل في المطار بالمنع. كيف أرفع المنع وكم المدة وكم الأجور كاملة؟

Cheque case for claiming a pending payment from the customer

Q: Hi! I have a customer and his cheque was recently bounced. He intentionally issued a closed account cheque and we realised when the bank letter informed us. It`s now 5 months and he is neither paying nor answering the calls, and I cannot travel every day to Abu Dhabi to chase him. Can you guide me? What is the best way to get the payment back? Thanks

Cancellation of employment visa and extension of grace period

Q: Hi, I have a labour case in Dubai Courts. The court has not issued a judgment yet and postponed the next hearing (date: 14 February 2019) which is beyond my visa expiry date (07 February 2019). The company owner has not attended the first 3 hearings, Now, he is away from the country and his trade license has not been renewed for the second term. I am unable to work somewhere else because my labour card is not cancelled. I am having a hard time now because of these issues and the court proceedings are in the 3rd month. My family visa (2 members) expires in August 2019. Do I need to cancel their visas before my visa expiry date or get special permission to retain their visas until expiry dates since I am having a pending labour case and applied to the court for a temporary stay order? Please, help me. How can I cancel my visa and labour contract so that I am able to join another company and start earning a living? Thank you

تقديم شيكات بدل إيجار بعد إنهاء العقد قبل أوانه

س: قمت بإنهاء خدماتي في الإمارات وقمت بإخلاء البيت المستأجر وفق القانون وحصلت براءة ذمة من المؤجر كوني لم أكمل العقد وعملت تسويه مالية معهم وحصلت على براءة ذمة من البلديه والكهرباء. وعند طلبي الشيكات التي بحوزتهم أخبروني أنها مع المحاسب وأنه غير موجود، وكان موعد السفر في اليوم الثاني فلم أتمكن من استرجاع الشيكات. أخبروني عبر الهاتف أن لا أقلق وأنهم سوف يتلفوها. وبعد مغادرتي بنحو شهر وعن طريق الصدفة، اكتشفت أنهم أرسلوا شيك إلى البنك لصرفه وأصبح كأنه شيك مرتجع. أرجو نصحي ما الحل، خصوصاً وجودي خارج الدولة يصعب الاتصال معهم وأخشى وجود اسمي في المطار. فهل هذا يعتبر خيانة أمانه من طرفهم بهذا التصرف؟ وشكراً

Consequences of a criminal case filed by the bank

Q: I have a case filed against me by the bank last month end for failing to pay 2 EMIs. I have been unemployed since April 2017 and have managed to pay my EMIs from the settlement I received from my previous company and some other EMIs by borrowing money from friends and families. I have not been able to find suitable employment during this time and I have AED 52000 to pay the bank (the original amount being AED 254,000). Please advise on the next possible actions.

Hire a lawyer online

Save time and money. Buy fixed-fee legal services or submit your request and get multiple competitive offers from qualified lawyers.

Buy services Get quotes

Criminal case by the bank for defaulting on EMI's of a loan

Q: I have a case filed against me by the bank last month end for failing to pay 2 EMIs. I have been unemployed since April 2017 and have managed to pay my EMIs from the settlement I received from my previous company and some other EMIs by borrowing money from friends and families. I haven`t been able to find suitable employment during this time and I have AED 52000 to pay the bank (the original amount being AED 254,000). Please advise.

Claiming pending salary and EOS benefits after visa cancellation

Q: I want to know what are chances to get my pending salary and EOS benefits. I was working in a company based in JAFZA. The company was delaying the salary 2-3 months. I started searching for a job and found a new one in DOHA-Qatar. I properly handed over and resigned. They told me that the company doesn’t have money and they asked me to leave and join the new company without cancelling my visa. They promised me that they will transfer my pending salary and EOS benefits once the company has money. Later they refused to give me after sending many follow up emails. They cancelled my visa by saying I didn`t come back form vacation.

التأمين لا يخلي مسؤولية المتعثر بسداد قرض تجاه البنك

س: السلام عليكم ورحمة الله وبركاته. عندي سؤالان شخص أخذ قرض من بنك إسلامي بالإمارات ثم بعد فترة تم فصله من العمل. بقي يبحث عن عمل شهرين فلم يجد ثم غادر إلى بلاده. هل التأمين يتكفل بباقي الأقساط أو هو متابع بباقي الأقساط؟ وشخص آخر أخذ قرض من بنك إسلامي بالإمارات. وبعد فترة أخذ إجازة دورية فحصلت معه ظروف في بلاده منعته من الرجوع إلى عمله وسداد باقي القرض. فهل التأمين يغطي باقي القرض أو هو متابع بسداد الباقي؟

Filing a civil case for cheque bounce to recover dues

Q: My gratuity cheque bounced and I made a complaint to the police, but the person paid a fine and I did not get my money. What should I do? And if I have to make a civil case, how much it will cost?

Checking status for travel ban or blacklist in the UAE

Q: Hi, I am living in the UAE. I helped two guys with a touristic visa 3 years ago and they ran away when their visa finished. The agent blacklisted them and threatened to report me to the police. Please, I want to know if there`s any police case against me because I don`t want to be detained at the airport when I am about to exit.

Looking for something else?

Ask for advice from a lawyer

It’s free and anonymous

No registration needed

Ask a lawyer

Liability toward the unpaid debts of the father

Q: To whom this may concern, I returned back to Australia after 10 years in Abu Dhabi in 2015. As I turn 18 this year in November, I plan on visiting friends who are in the UAE for about a month. I would like to travel with them around the country freely without any prosecution from local officials. My father had to leave the UAE in 2016 for health reasons and has unpaid debts in the UAE, Abu Dhabi specifically. I would like to know and have it in writing if I would be able to travel freely to the UAE at the end of the year and that I am not liable for my parents` debts/problems as I have no legal responsibilities for their actions. Kind regards.

Defaulting on credit card payment and subsequent civil case

Q: Dear Sir I am a Dubai resident. Last month, Mashreq filed a criminal case against me for credit card cheque bounce of AED 60000. I paid the fine and got released from the police station. Now, they called me again and said they are going to file a civil case against me. If they file a civil case, will there be any immediate travel ban? Also, advise if the police can arrest me on the basis of this civil case immediately.

The procedure for filing a civil case based on a criminal case

Q: Hi. Can someone advise me if the civil case can be filed directly in the court by the victim OR hiring a legal firm is mandatory? The criminal case has already been filed and the investigation is underway. Thanks.

Application of article 120 in case of a mistake by the employee

Q: Hi. I am working as an engineer. I am preparing BOQ for the project and I will forward it to my manager for verification and he will make a final quotation and send it to the customer. Unfortunately, I did a small mistake while making the BOQ in the Tender Stage Project and forwarded it to my manager for further procedure. He has not noticed also the mistake. After a couple of months, the main contractor called for a final discussion. That time we cross-checked the BOQ again and I found this mistake. I informed my manager that we missed this quantity which will increase the project cost, so we won`t be able to meet their target. He shouted at me because we lost this project. I will take the necessary action. I just want to know if Article 120 is applicable to this issue. Please advise.

Claiming a refundable deposit from real estate company

Q: Hi I was looking at a property in Dubai and decided to go ahead with it. They asked for a refundable deposit of AED 14k which they charged on my card and then after checking the place out, I decided not to go ahead with the purchase. Within 3 days of the 7 day period within which I could cancel and get a refund. I had sent a formal refund application and they replied back saying its acknowledged and they would process it. They said banks are closed for the national day and hence would do it a few days later in the first week of December 2018. We are now midway in January 2019 and they still have not paid me back. Can you please help me out here? Thanks