Questions & Answers - Legal Advice Middle East

Consequences of defaulting on a bank loan due to losing job

Q: I have just filed a labour case against my employer where he owes me wages for an amount of over AED 1 million. At the same time, I`m unable to work anywhere else because my UAE residence visa has not been cancelled by the employer and he is not present in the country. His UAE visa would get cancelled automatically by this month end in case he does not enter the UAE which will be the 180 days expiry deadline. In that case, my visa also automatically gets canceled. I have my own dues to pay to the banks which I cannot pay due to unpaid wages, and they are planning to file civil/police cases against me. If the labor case judgment is in my favor, can I use this judgment for the banks so as to explain them the reason for nonpayment or delayed payment or in the court if they file a civil case against me? Can this help in negotiating with the bank for a partial or even full waiver or get a restructure with less interest rate spread over several months?

Cancellation of visa after leaving the UAE on emergency

Q: Hi, Greetings, Ma`am, I am working for a free zone company as a sales executive. Due to my medical condition, I informed my company and had to come on an emergency to my country. After leaving the country, I met the doctor and he said it will take more than 4 months to recover after physiotherapy sessions. In the meantime, I called up my company and informed them about my medical condition and told them to cancel the visa, as I don`t want to work anymore and instead I want to start a business in the UAE after my recovery. The main concern now is the company does not want to cancel my visa and also harassing me. They will put on me some kind of legal case. Please advise, how can I move forward. I want to cancel my visa and start my own business in the UAE. Thanks and regards

Checking criminal records in the UAE for accusation of theft

Q: My husband cancelled my residence visa due to some misunderstanding between us. He wants a divorce. Two months before, my husband sent me back to India. Last week only he cancelled my visa. I found it through his mail ID. My passport is in my in-laws` custody. My husband says there is a theft case registered against me in the UAE and I am blacklisted. I am really scared. He says I cannot visit the UAE again. I need to know if I am blacklisted. How can my husband cancel my visa? Please help.

Civil case by bank for defaulting on credit card payments

Q: I had some credit card financial issue and I couldn`t pay. The bank put a police case and I paid a fine and finished the case. After some months with different collection people from the bank calling me and coming 2-3 times directly to my office, they told me they will file a civil case for the total dues of 30K. What is the solution for finishing all this?

Checking a travel ban in the UAE and GCC

Q: How to check if there is any travel ban and if the travel ban is imposed in GCC?

Getting a new employment visa after leaving without cancellation

Q: Hello Sir, I was working for a free zone based company in Dubai for 2 years and 6 months. Then I went on vacation in 2017 March (my visa expired in Oct 2017) and I didn`t come back to the UAE. Sir, now I came to the UAE on a visit visa. Is it possible to get a new employment visa or there`s a ban on the new employment visa?

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Visit visa rejection for security reasons

Q: Hello Sherif! I am from Pakistan. I applied for a UAE visit visa 3 times and got rejected. The reason stated was `Security Reasons`. Can you help me out here?

Compensation towards resignation during probation period

Q: After I filed my resignation under probation period (I`m under free zone company), my employer said that I need to pay AED 10,000 and leave Dubai immediately after visa cancellation is processed. Can someone please advise me what to do?

Actions against false charges of Etisalat utility bills

Q: Hi I have a due amount of Etisalat post-paid bill of AED 300 for the month of March. I went to India for some urgent work. When I came after 30 days, the bill was AED 600. They charge me some services also. I asked them to cancel the connection, and they said it will be a charge of AED 150. I was not under any contract. They didn`t inform me and stopped my incoming and outgoing, and continued to charge me every month and the bill became 1600 till today. I filed a complaint in Etisalat also that I want to settle down the bill, but I will only pay for the amount which I had used. I will not pay for the additional charges they are putting illegally. Now, I received a call from Tashil and a message that my credit score rating is being impacted. I told them I want to pay but for the amount which I used, not any kind of false charges. What effects can it make on my credit bureau as it`s almost 15 days and I didn`t receive any single follow up from Etisalat? Actions

Paying the fees of expert appointment in the UAE courts

Q: Hi, I have a labour case in Sharjah Court against my employer. The judge said that my case has been transferred to the "expert service" in the last hearing and I have to pay AED 4000 for that. The next hearing date has been appointed on 25.11.18 and 25.12.18. I am kindly asking you to clarify: 1) What does it mean "labour case transferred to the expert service"? 2) Should I pay AED 4000 for "expert service" if it`s optional? As the secretary of the judge explained to me that I can ask the judge not to pay (I do not have money) or partial payment. 3) Can I refund the total amount of "expert service" fee, if I win the case? 4) Will the payment of "expert service" fee affect the court decision or end date?

Inspection of police records after defaulting on bank loan

Q: Hi Sir/Madam. Greetings! I would like to know about my friend details. He has worked in the UAE and got a ban from his employer due to breaking the contract, and he has a loan in ADCB bank. He has been paying properly until he left the UAE. After that, he didn`t pay due to job loss. Now, he wants to come back to the UAE and he wants to know if his bank submitted any legal case against him. Please guide me, how can we check whether he is having a case or not? Where can we know these details?

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The penalty and clearance of a bounced rental cheque

Q: Good evening Sir, I have a rental cheque of amount 30k bounced by my landlord due to insufficient funds. I lost my job and had to come back to my country. Now, I have a new job opening in Dubai. When I checked the immigration system, it showed that I have a case against me for the same amount of AED 30k. How would I be able to come back to Dubai as they will stop me at the airport? I’ve got people saying that as per the new law, I will have to pay a fine up to AED 2000 for a bounced cheque of AED 50k. Is this true? How do I deal with this? Thanks so much in advance. Your legal help is really helpful for all the residents of the UAE.

Protecting rights while buying a property in Dubai

Q: I am a US citizen and would like to buy a property in Dubai, where do I start?

The liability to pay bank loans after termination from job

Q: I work for Etihad Airways. There are many terminations of jobs coming up and a lot of cabin crew members have loans. Is Etihad the guarantor of our loans if we are terminated- as Etihad is a government company? In the past, when a crew member used to leave, Etihad has assumed the debt. Is this still happening?

Calculation of the EOSB after changing the contract from limited to unlimited

Q: Hello Sir, I am working in a company for more than 5.5 years. The first 4 years, my contract was limited and now they changed it to unlimited. The company terminated my contract. How will the benefits be calculated and does the company need to pay 3 months` salary for termination? Please help.

Liability of loan defaulter after the new bounced cheque regulation

Q: Hi, I want to know whether the new bounced cheques rule applies to the people who took a loan in 2015 and weren`t able to payback. If any criminal case was filed by the bank at that time, would it be withdrawn under the new rule or it would remain open. Please advise. Thanks