Questions & Answers - Legal Advice Middle East

What to do with the bank if they accept to settle only with the entire loan?

Q: Hi, Firstly, thank you for this service. Let me briefly describe my situation. Been in Dubai for a long time. Lost my job recently and frantically applying for a new one. Currently on garden leave until June, so only 2 more salary payments are pending. I have a loan for AED 950k and an outstanding mortgage of 900k (the value of the property is 2m AED. Afraid that after June I will not keep up with payments on the loan for sure which are 33k per month. Willing to settle since I have access to some funds but the bank only wants to settle on the full amount with all 5-year interest payments added. I have access through the family of approx. AED 500k to use for settlement. The loan was for 5 years and paid without any defaults for 26 months. I have no savings at this time but in the coming June, I will most likely default. Any advice would be appreciated. God bless.

انتهاء الغرض من حجز جواز السفر بتنازل الشاكي

س: السلام عليكم، جوازي محجوز لدى الشرطة. تنازل الشخص المُبلغ. هل ينتهي بذلك الغرض من حجز الجواز؟

What are my rights and obligations in case of resignation from a limited contract?

Q: Dear Ma`am, Good afternoon, First of all, thank you for helping people by giving your expert advice, really appreciated. My name is B. T., working with a private company in the Emirate of Abu Dhabi since Sep `20. I am having a limited contract for two years which is going to end on Sep. `22. Now, I want to switch the company and am planning to resign from this company in the month of April ’22 (4-5 Months before contract completion) and I will serve 1 month`s notice period as per the contract. So I want your advice on the below matter (Considering the applicability of Labour Law). Would I need to pay 45 days’ salary to the current company? What is the eligibility of compensation (Like Gratuity / Leaves) plus any exit process formalities I should follow? Thanks in advance for the support.

How to claim the passport back from employer to go on an urgent leave?

Q: I have been working in a restaurant as an assistant manager for a month and now I have an emergency at home so I have to go to India as soon as possible. But my passport was collected by the company at the time of joining. How can I ask for my passport? What if they refused or took too much time in replying/sending the passport? It`s really difficult. Kindly help and tell me about the right legal way, it’s URGENT.

زواج ضابط من سيدة حاملة جواز أوروبي ومن أصول عربية

س: السلام عليكم، زواج ضابط مرور من حاملة جواز أوروبي ولكن من أصول عربية ومواليد الإمارات. هل يمكن الزواج؟ وما الشروط؟

Eligibility for EOSB without paying compensation in resignation from limited contract

Q: Dear Sir, Good afternoon, First of all, thank you for helping people by giving your expert advice, really appreciated. My name is B. T., working with a private company in the Emirate of Abu Dhabi since Sep `20. I am having a limited contract for two years which is going to end on Sep. `22. Now, I want to switch the company and I am planning to resign from this company in the month of April ’22 (4-5 Months before contract completion) and I will serve 1 month`s notice period as per the contract. So I want your advice on the below matter (Considering the applicability of Labour Law). Would I need to pay 45 days’ salary to the current company? What is the eligibility of compensation (Like Gratuity / Leaves) plus any exit process formalities I should follow? Thanks in advance for the support.

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How can I cancel my visa and apply for a new visa while I have a travel ban?

Q: I have a police case against me which was through Dubai Courts as I didn`t pay the pending rent. I got a new job offer and I have resigned from my previous job. How can I cancel my visa and apply for a new visa while I have a travel ban imposed on me?

تعديل طلبات دعوى عمالية بعد صدور الحكم

س: السلام عليكم، لدي قضية عمالية صدر الحكم فيها لصالحي. طالبت بدون علم في بند التعويض عن الفصل التعسفي في المذكرة بالتعويض عن شهر واحد ولكن عقدي محدد المدة وأقرت المحكمة أن لي الحق في التعويض عن مدة 3 أشهر ولكنها تقيدت بما طلبت لذلك حكمت بشهر واحد. هل توجد طريقة أو طلب لإعادة النظر في قيمة التعويض والحكم بالتعويض المناسب دون التقيُّد بالقيمة المطلوبة؟

How to check possible cases and travel ban after leaving with a pending loan?

Q: I have a car loan with a bank (Emirates Islamic) in the UAE and I have defaulted on the payments in 2015. because of the fraudulent activity of my company partners, I had to leave the country resulting in leaving the blank signed chequebook there in my office. I just need to check whether I have police cases and a ban on my name. I tried to get a car loan settlement deal with the bank, but it is not ending up with a good deal. Is there any way you can help me get rid of this case or to check further if I have any other cases in Dubai? Is there any agency that can handle this on my behalf to clear the police cases (if any) and the ban in court? Kindly advise

Application of the VAT rules on influencers in the UAE

Q: We all know that influencers are subject to 5% VAT in the UAE for conducting online promotional or marketing services. But the question that no one has answered is, are the following subject to VAT in the UAE: 1- Google AdSense revenue generated from posting videos on youtube? 2- Affiliate marketing revenue paid by international affiliate networks? If yes, can influencers register to FTA directly without a company? Because having a company will result in paying newly introduced corporate tax if I`m not mistaken!

What happens to assets inherited by a child who has not reached the legal age?

Q: What happens to assets inherited by a child who has not reached the legal age in the UAE? Are assets given to the guardian or kept with the courts till they reach legal age?

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What are the chances of lifting an immigration ban drug case?

Q: Good morning. My wife is Philippino national and I am a UK national working in Dubai. In March 2016, my wife was arrested and charged with the Abuse of Psychotropic Substances. She was sentenced to 1 year in jail. After 6 months she was deported back to the Philippines (September 2016) and is now on the immigration blacklist, I have had this confirmed. At that time she was single, we met later. I understand it is legally possible to get her name removed from the immigration blacklist, but my question is have the UAE courts ever lifted an immigration ban for someone jailed for a drug offense? I understand the law is rarely ‘black and white’ but would appreciate a legal view. Obviously, I would like my wife to join me here in Dubai and I’m just trying to understand if this is actually feasible or we should just accept that we will have to live apart while I work in the UAE.

Entering the UAE with a recently expired investor visa

Q: Hi, I have an investor visa that expires on 17 April 2022. I am in London today. Can I enter now on the same visa?

العودة إلى الإمارات رغم وجود بطاقة ائتمانية غير مسددة

س: السلام عليكم، كنت أعيش في الإمارات واستخدمت البطاقة الائتمانية بقيمة 20 ألف درهم. حاول البنك التواصل معي ولكنني غيرت رقم هاتفي والآن أنا خارج الإمارات. سؤالي: هل أستطيع الدخول إلى الإمارات أم سيكون هناك حظر؟ مع العلم أني خارج الإمارات منذ 6 سنوات.

أحقية حاضنة الأعمال في التصرُّف في الأموال قبل تأسيس الشركة

س: السلام عليكم، أودعت مبلغ من المال في حساب شركة حاضنة أعمال في الإمارات لغرض الاستثمار في شركة (لم تُؤسَّس بعد ولم تصدر لها رخصة تجارية). استلمت ورقة "سند قبض مبلغ للاستثمار في الشركة التي لم تؤسس ولم يوقع عقد شراكتها". بعد فترة طلبت الانسحاب للتأخير في تأسيس الشركة المراد الاستثمار فيها. أبلغوني أنهم صرفوا مبالغ من المال الذي أودع لغرض عمل دراسة جدوى وتأجير المكان، علمًا بأن المبلغ صُرف بدون إذن مني ولا يوجد اتفاق مسبق بشأن الصرف قبل توقيع عقد الشراكة. هل يحق لحاضنة الأعمال التصرُّف في المال لعمل دراسة الجدوى، التي لم تُعرَض عليّ إلا حين قررت الانسحاب، بمجرد إيداعي المبلغ واستلام سند قبض مبلغ الاستثمار؟ علمًا بأن هناك مستثمرين آخرين وضعوا أموالهم أيضًا لغرض الاستثمار في مشروع الشركة ذاتها.

How to file a complaint against a humiliating call from a company agent?

Q: Do I have the grounds for filing a legal action? I just got a sales call from a trading company and I kept repeating over and over to the sales agent that I am not into trading at all with zero chances of me doing it. So she replied saying "and do you think that everyone else is like you dumb and stupid?" before hanging up the line in my face. I don`t have a call record but I assume they would have these recorded somewhere and I have the landline she called from which I googled and turned out to be registered under the trading company name. How can I take legal action against her?