{"id":14871,"date":"2024-06-04T18:33:48","date_gmt":"2024-06-04T14:33:48","guid":{"rendered":"https:\/\/dhaherilaw.com\/bounced-checks-in-uae-law\/"},"modified":"2024-07-07T06:08:41","modified_gmt":"2024-07-07T02:08:41","slug":"bounced-checks-in-uae-law","status":"publish","type":"post","link":"https:\/\/dhaherilaw.com\/en\/bounced-checks-in-uae-law\/","title":{"rendered":"Implementing bounced checks in UAE law"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"14871\" class=\"elementor elementor-14871 elementor-11849\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d82b34 e-con-full e-flex e-con e-parent\" data-id=\"6d82b34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4a5abd6 e-con-full e-flex e-con e-child\" data-id=\"4a5abd6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6605bb2 elementor-widget elementor-widget-text-editor\" data-id=\"6605bb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The amendments to the Commercial Transactions Law No. 14 of 2020, which decriminalized the check without a balance, gave the beneficiary of the check the ability to directly execute the check with quick and easy procedures to ensure the speedy collection of the amounts in a way that guarantees him playing his role as a fulfillment tool in place of money. The check on which the drawee proves that there is no balance or that it is insufficient is considered an executive instrument following the regulatory regulations of the Federal Civil Procedure Law, and the bearer has the right to request its execution, in whole or in part, by force.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17237e5 elementor-toc--content-ellipsis elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"17237e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;],&quot;exclude_headings_by_selector&quot;:&quot;#post-after&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\t\u0645\u062d\u062a\u0648\u064a \u0627\u0644\u0645\u0642\u0627\u0644\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__17237e5\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__17237e5\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__17237e5\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5deda78 elementor-widget elementor-widget-spacer\" data-id=\"5deda78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ab6f76 elementor-widget elementor-widget-text-editor\" data-id=\"9ab6f76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The holder of a check that is returned due to lack of or insufficient funds can file the matter directly with the enforcement judge to obtain the executive formula on the check and open an executive file to initiate enforcement procedures.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba66b12 elementor-widget elementor-widget-heading\" data-id=\"ba66b12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cases of criminalization were limited to the following:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73ace18 ar-post-lists elementor-widget elementor-widget-mo-list-number\" data-id=\"73ace18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mo-list-number.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"mo-element-mo-list-number mo-element\">\n   <div class=\"list-style list-style1\">\n      <ul class=\"list-style\">\n                     <li>\n               <h4 class=\"title\">Cases of fraud when issuing a check: such as issuing an order or requesting from the bank before the due date not to cash the check unlawfully. (That is, in cases other than those stipulated in Articles (620) and (625), which is the case of the loss of the check or the bankruptcy of its bearer.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">Cases of criminalization in crimes of forgery and use of checks.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">Closing the account or withdrawing the entire balance on it before issuing the check or before submitting it to the bank for disbursement or if the account is frozen.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">Intentionally writing or signing a check in a way that prevents it from being cashed.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n               <\/ul>  \n   <\/div>\n     \n\n     \n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e29a1b elementor-widget elementor-widget-heading\" data-id=\"3e29a1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is the deadline for submitting a check for fulfillment or payment?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4dda31 elementor-widget elementor-widget-text-editor\" data-id=\"c4dda31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The law specifies the deadline for submitting a check for fulfillment or payment. It stipulates in Article 618 that it must be presented within six months if it is drawn inside or outside the country and is due for payment. This period begins to be calculated from the date indicated on the check as the date of its issuance.<\/p><p>As is clear from the text of the article, the period is calculated from the date indicated on the check as the date of its issuance, and not from the date of partial payment.<\/p><p>The reason for shortening this period is due to the legislator\u2019s desire not to oblige the drawer to keep the payment consideration with the drawee bank indefinitely.<\/p><p>Note that if the bearer does not present the check within the deadline for presenting it for payment, his right to claim its value is not forfeited. Therefore, Article 1\/620 of the law stipulates that \u201cthe drawee may fulfill the value of the check even after the deadline for presenting it has passed, meaning that this deadline does not have A binding force on the part of the beneficiary or the bank, and expiration does not prevent the collection of its value from the drawee bank, as it does not result in the check losing its nature as a payment instrument that flows through the flow of money, and the effect of its expiration is limited to merely depriving the beneficiary of the ability to adhere to the payment that he has before the drawer.<\/p><p>The bearer may be exposed to the loss of his civil right towards the endorsers and the drawer as a result of his failure to perform the procedures required by the legislator to fulfill his right, which includes presenting the check on the specified date as specified in the law. If the drawer proves the availability of the balance throughout the six months, and the bearer does not approach the bank to collect its value, This consideration was removed by an act not attributable to the drawer, and the bearer\u2019s right to recover the value of the check fell from the drawer, as he was considered a \u201cnegligent\u201d bearer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-effebb5 elementor-widget elementor-widget-mo-accordion\" data-id=\"effebb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mo-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"mo-element-mo-accordion mo-element\"><div class=\"accordion accordion-style4\">\r\n   <ul class=\"accordionjs\">\r\n               <li>\r\n            <div class=\"acc_head\">\r\n               <h6>What is a partial fulfillment of a check?<\/h6>\r\n                  <span class=\"accordion-icon\"><\/span>\r\n            <\/div>\r\n            <div class=\"acc_content\">\r\n               <p> What is meant by partial fulfillment is the fulfillment of part of the value of the check, and thus the drawer and all endorsers and backup guarantors (if any) are discharged, \u201cpartially.\u201d The law in the UAE does not require that the amount of the check held by the drawee bank be equal to the amount of the check.\n<br><br>\nWhereas the check bearer may accept payment of part of the value of the check and postpone the remainder if he determines that this is in his interest, as if the drawer\u2019s financial condition is bad and it is in his interest to save what can be saved from the debt, the bearer is not obligated to accept partial payment, as he has a choice between accepting partial payment of his right or Refusal to fulfill and recourse to the drawer for the full amount of the check. However, if he accepts partial fulfillment, the drawee bank has no right to refuse to do so, and the bearer has the right to ask the drawee to mark partial fulfillment on the back of the check and for the latter to give him the original of the check and a certificate to that effect.<\/p>\r\n            <\/div>\r\n         <\/li>\r\n               <li>\r\n            <div class=\"acc_head\">\r\n               <h6>What is the mechanism for partial check fulfillment?<\/h6>\r\n                  <span class=\"accordion-icon\"><\/span>\r\n            <\/div>\r\n            <div class=\"acc_content\">\r\n               <p> In implementation of the provisions of Article 617 of the law, the bank must, if the amount available in the account is less than the amount of the check, make a partial payment to the amount available in its possession unless the bearer of the check refuses to do so, in which case the bank must mark each partial payment on the back of the check stating: The bearer must hand over the original check and a certificate of this payment (according to the mechanism currently being discussed with the banks and will be circulated soon).\n<br><br>\nIn the event of collection through the bank of the check holder\/beneficiary, the latter gives a partial fulfillment certificate to the check holder\/beneficiary, and the bank may keep a copy of the check that was partially fulfilled and a copy of the partial fulfillment certificate issued by it.\n<br><br>\nThe bearer of the check shall have the right to return the balance with the original of the check marked with partial fulfillment, in accordance with the provisions, procedures and rules specified in the regulatory regulations of the Civil Procedure Law as an executive document, according to the provisions of Article 635 of the law, or by filing a protest after the expiry of the periods stipulated in Article 632 of the law.\n<\/p>\r\n            <\/div>\r\n         <\/li>\r\n               <li>\r\n            <div class=\"acc_head\">\r\n               <h6>What is the benefit of obtaining a partial fulfillment certificate from the bank?<\/h6>\r\n                  <span class=\"accordion-icon\"><\/span>\r\n            <\/div>\r\n            <div class=\"acc_content\">\r\n               <p> The partial payment certificate referred to in Article 617 of the law is not considered a check and does not enjoy protection. It is given to the bearer of the check to prove his civil rights before the judicial authorities.<br>\nThe check holder may pursue the drawer, if he so desires, to claim the remaining amount of the value of the check according to the original check, according to the certificate, or by filing a protest.\n<\/p>\r\n            <\/div>\r\n         <\/li>\r\n               <li>\r\n            <div class=\"acc_head\">\r\n               <h6>Is partial fulfillment of a check mandatory? Who is obligated to pay partial payments?<\/h6>\r\n                  <span class=\"accordion-icon\"><\/span>\r\n            <\/div>\r\n            <div class=\"acc_content\">\r\n               <p> Article 2\/617 of the law (before the amendment) states the following:\n(If the consideration for payment is less than the amount of the check, the bearer must ask the drawee for partial payment to the extent he has available).\n<br><br>\nThe text (after the amendment) became as follows: (If the consideration for payment is less than the amount of the check, the drawee must make partial payment to the amount available to him unless the bearer refuses to do so).\nThat is, under the old text, the bank would not make partial payment except at the request of the bearer, and after the amendment, the bank became obligated to make partial payment unless the bearer refused. Note that banks previously did not apply partial fulfillment of a check (even if the bearer requested it), but now (after the amendment) they are obliged to perform partial fulfillment of the amount in the account unless the bearer refuses to do so.\n<\/p>\r\n            <\/div>\r\n         <\/li>\r\n         <\/ul>\r\n<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47e8b55 elementor-widget elementor-widget-heading\" data-id=\"47e8b55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is the role of the bank in the partial fulfillment of a check?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-805f0b6 elementor-widget elementor-widget-text-editor\" data-id=\"805f0b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In addition to the role of the bank referred to in Article (600), the bank &#8211; following Article (617) of the law &#8211; must notify the Central Bank of the account holder\u2019s data according to the mechanism that will be circulated soon, in any of the following cases:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9cd03c ar-post-lists elementor-widget elementor-widget-mo-list-number\" data-id=\"d9cd03c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mo-list-number.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"mo-element-mo-list-number mo-element\">\n   <div class=\"list-style list-style1\">\n      <ul class=\"list-style\">\n                     <li>\n               <h4 class=\"title\">If the check does not have a sufficient cash equivalent that is available and withdrawable on its due date.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">If the drawer, after issuing the check, recovers all consideration for payment such that it cannot be cashed.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">If the bank partially honors the check.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n               <\/ul>  \n   <\/div>\n     \n\n     \n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bfcb7d elementor-widget elementor-widget-text-editor\" data-id=\"8bfcb7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The bank must adhere to the following:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc1da7a elementor-widget elementor-widget-text-editor\" data-id=\"dc1da7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The mechanism for implementing the new amendments to the law related to partial check fulfillment will be circulated soon by the Central Bank.<\/p><p>Informing the bank\u2019s employees and customers of these new amendments by all usual means and methods, whether through social media, websites, electronic applications, text messages, or in the form of short messages that are displayed on the screens of ATMs, internal screens, or other modern traditional or electronic means.<\/p><p>Raising the level of education and awareness among the bank\u2019s employees and customers, guiding them and enabling them to understand the basic risks providing them with all information related to these new amendments and their effects on them, and clarifying the mechanism and method of applying partial fulfillment of the value of the check, and the procedures that can be followed in this case accurately, and what is required to be taken into account to avoid&#8230; Legal accountability and penalties resulting from violating the law and misuse of the check.<\/p><p>Providing the necessary and appropriate means and mechanisms to respond to customer complaints and inquiries and clarify their rights and responsibilities about all new amendments to the Checks Law 2022.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e51b73b elementor-widget elementor-widget-heading\" data-id=\"e51b73b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is the mechanism for reporting returned checks in the UAE that were partially fulfilled by Al Etihad Credit Bureau AECB? What is the impact of this on the credit information report issued by the company? Will this affect the issuance of checkbooks?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec967b4 elementor-widget elementor-widget-text-editor\" data-id=\"ec967b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Clause (3) of Article (617) of the law states the following:<\/p><p>(The drawee must notify the Central Bank of the account holder\u2019s data, by the regulations and rules issued by the Central Bank in this regard, in any of the following cases:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ffd8b8 ar-post-lists elementor-widget elementor-widget-mo-list-number\" data-id=\"2ffd8b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mo-list-number.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"mo-element-mo-list-number mo-element\">\n   <div class=\"list-style list-style1\">\n      <ul class=\"list-style\">\n                     <li>\n               <h4 class=\"title\">If the check does not have sufficient cash equivalent and can be withdrawn on its due date.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">If the drawer, after issuing the check, recovers all consideration for payment such that it cannot be cashed.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">If the drawee partially honors the check following Clause (2) of this Article.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n               <\/ul>  \n   <\/div>\n     \n\n     \n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfb4c54 elementor-widget elementor-widget-text-editor\" data-id=\"bfb4c54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The mechanism for reporting returned checks in the Emirates or that were partially fulfilled by Al Etihad Credit Bureau (AECB) is the same mechanism currently used by the company, and the same applies to the credit information report. As for the impact of this on the issuance of the checkbook, according to the instructions of the Central Bank, for people who have at least four checks returned due to insufficient balance, within a maximum period of one year between the first check and the fourth check, in this case, their accounts must be closed for two years, and if repeated, it increases. To close the account for three years and recover the remaining number of checks they have.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42dc58e elementor-widget elementor-widget-mo-accordion\" data-id=\"42dc58e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mo-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"mo-element-mo-accordion mo-element\"><div class=\"accordion accordion-style4\">\r\n   <ul class=\"accordionjs\">\r\n               <li>\r\n            <div class=\"acc_head\">\r\n               <h6>In the event of partial payment (fulfillment) of a check, will the check continue to be treated as a \u201cbounced check\u201d?<\/h6>\r\n                  <span class=\"accordion-icon\"><\/span>\r\n            <\/div>\r\n            <div class=\"acc_content\">\r\n               <p> The check is considered returned to the extent of the amount that has not been collected from the value of the check, and this is subject to the regulations and procedures of the Central Bank in this regard.<\/p>\r\n            <\/div>\r\n         <\/li>\r\n         <\/ul>\r\n<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7a83b0 elementor-widget elementor-widget-heading\" data-id=\"c7a83b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What data is necessary in a case for enforcing a bounced check?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42929d0 elementor-widget elementor-widget-text-editor\" data-id=\"42929d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The bearer of the return check, or his legal representative, must submit a lawsuit to enforce a returns check against the drawer (the party against whom enforcement is requested), and before the competent court, as we mentioned previously, highlighting in his executive file The papers and documents necessary for the lawsuit to enforce the returns check according to the following:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-543c514 ar-post-lists elementor-widget elementor-widget-mo-list-number\" data-id=\"543c514\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mo-list-number.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"mo-element-mo-list-number mo-element\">\n   <div class=\"list-style list-style1\">\n      <ul class=\"list-style\">\n                     <li>\n               <h4 class=\"title\">A certificate with the IBAN for the implementation applicant if he has a bank account.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">The name of the beneficiary receiving the value of the check, his address, means of communication, and identity or passport number.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">A certificate from the bank to which the bounced check was drawn stating the following:<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">The drawer\u2019s address, email, and private means of communication, as stated in the contract signed between the bank and the account holder (the drawer)<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">Reason for the check to be returned uncashed.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">The date the check was returned and the branch it was drawn on.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">The total value of the check the amount paid from it and the remaining amount (in the event of honoring a partially returned check).<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">The name of the account holder in Arabic and English, and his ID or passport number and residence, if any.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">If the issuer of the returned check is a company, the commercial license must be attached to the ID or passport number and the residence of its director.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">The power of attorney for the legal representative, if any, is notarized and certified.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n                     <li>\n               <h4 class=\"title\">All of the above must be submitted in Arabic, and if not, it must be translated into Arabic by the internationally accredited centers.<\/h4>\n\t\t\t\t\t\t\n            <\/li>\n               <\/ul>  \n   <\/div>\n     \n\n     \n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e8e8f7 elementor-widget elementor-widget-heading\" data-id=\"9e8e8f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Opening an executive file in a case for enforcing returned checks<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d99fdf elementor-widget elementor-widget-text-editor\" data-id=\"9d99fdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>After registering the executive file, the execution judge may issue a decision banning the travel of the party against whom enforcement is sought. The party against whom enforcement is requested shall be notified of the lawsuit, and 15 days shall be given to visit the Enforcement Department to pay the value of the returned check or the remainder of its value. If the drawer does not submit any corresponding legal action, the person requesting enforcement may request an inquiry to place a seizure on the funds of the party against whom it is being executed and proceed with the executive procedures required. You will arrange expropriation and auction to collect the amount of the bounced check.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02017e5 elementor-widget elementor-widget-text-editor\" data-id=\"02017e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We at Al Dhaheri &amp; Partners Law Firm, and through our extensively experienced legal team, will seek to take immediate measures to implement the returns checks and initiate executive procedures to ensure collecting the value of the returns checks for our clients.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51d8581 elementor-widget elementor-widget-text-editor\" data-id=\"51d8581\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Thus, we reach the end of our article the right to implement balanced checks in UAE law, stressing at the same time the necessity of seeking the assistance of the best-specialized lawyers in our office to provide sound and correct legal solutions by the best legal and judicial practices, by visiting us in one of our branches in the cities of Al Ain and Abu Dhabi or by contacting us.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce562b1 elementor-widget elementor-widget-template\" data-id=\"ce562b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"13425\" class=\"elementor elementor-13425 elementor-13039\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e17c904 e-con-full e-flex e-con e-parent\" data-id=\"e17c904\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-427d4ee elementor-widget elementor-widget-heading\" data-id=\"427d4ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Contact us<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-042e234 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"042e234\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed7b5bb elementor-widget-mobile__width-inherit elementor-widget elementor-widget-shortcode\" data-id=\"ed7b5bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"forminator-ui forminator-custom-form forminator-custom-form-14565 forminator-design--default  forminator_ajax\" data-forminator-render=\"0\" data-form=\"forminator-module-14565\" data-uid=\"6a62a03f440b4\"><br\/><\/div><form\n\t\t\t\tid=\"forminator-module-14565\"\n\t\t\t\tclass=\"forminator-ui forminator-custom-form forminator-custom-form-14565 forminator-design--default  forminator_ajax\"\n\t\t\t\tmethod=\"post\"\n\t\t\t\tdata-forminator-render=\"0\"\n\t\t\t\tdata-form-id=\"14565\"\n\t\t\t\t data-color-option=\"default\" data-design=\"default\" data-grid=\"open\" style=\"display: none;\"\n\t\t\t\tdata-uid=\"6a62a03f440b4\"\n\t\t\t><div role=\"alert\" aria-live=\"polite\" class=\"forminator-response-message forminator-error\" aria-hidden=\"true\"><\/div><div class=\"forminator-row\"><div id=\"name-1\" class=\"forminator-field-name forminator-col forminator-col-12 \"><div class=\"forminator-field\"><input type=\"text\" name=\"name-1\" value=\"\" placeholder=\"Name\" id=\"forminator-field-name-1_6a62a03f440b4\" class=\"forminator-input forminator-name--field\" aria-required=\"true\" autocomplete=\"name\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"email-1\" class=\"forminator-field-email forminator-col forminator-col-12 \"><div class=\"forminator-field\"><input type=\"email\" name=\"email-1\" value=\"\" placeholder=\"Email\" id=\"forminator-field-email-1_6a62a03f440b4\" class=\"forminator-input forminator-email--field\" data-required=\"\" aria-required=\"false\" autocomplete=\"email\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"phone-1\" class=\"forminator-field-phone forminator-col forminator-col-12 \"><div class=\"forminator-field\"><input type=\"text\" name=\"phone-1\" value=\"\" placeholder=\"Phone\" id=\"forminator-field-phone-1_6a62a03f440b4\" class=\"forminator-input forminator-field--phone\" data-required=\"1\" aria-required=\"true\" autocomplete=\"off\" data-national_mode=\"disabled\" data-country=\"ae\" data-validation=\"international\" \/><\/div><\/div><\/div><div class=\"forminator-row\"><div id=\"textarea-1\" class=\"forminator-field-textarea forminator-col forminator-col-12 \"><div class=\"forminator-field\"><textarea name=\"textarea-1\" placeholder=\"Your message....\" id=\"forminator-field-textarea-1_6a62a03f440b4\" class=\"forminator-textarea\" rows=\"6\" style=\"min-height:140px;\" ><\/textarea><\/div><\/div><\/div><input type=\"hidden\" name=\"referer_url\" value=\"\" \/><div class=\"forminator-row forminator-row-last\"><div class=\"forminator-col\"><div class=\"forminator-field\"><button class=\"forminator-button forminator-button-submit\">Send<\/button><\/div><\/div><\/div><input type=\"hidden\" id=\"forminator_nonce\" name=\"forminator_nonce\" value=\"cbe387cf7c\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/en\/wp-json\/wp\/v2\/posts\/14871\" \/><input type=\"hidden\" name=\"form_id\" value=\"14565\"><input type=\"hidden\" name=\"page_id\" value=\"14871\"><input type=\"hidden\" name=\"form_type\" value=\"default\"><input type=\"hidden\" name=\"current_url\" value=\"https:\/\/dhaherilaw.com\/en\/bounced-checks-in-uae-law\/\"><input type=\"hidden\" name=\"render_id\" value=\"0\"><input type=\"hidden\" name=\"action\" value=\"forminator_submit_form_custom-forms\"><label for=\"input_5\" class=\"forminator-hidden\" aria-hidden=\"true\">Please do not fill in this field. <input id=\"input_5\" type=\"text\" name=\"input_5\" value=\"\" autocomplete=\"off\"><\/label><\/form><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-169cdd1 e-con-full e-flex e-con e-child\" data-id=\"169cdd1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:100,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t<div class=\"elementor-element elementor-element-86a93e6 e-flex e-con-boxed e-con e-child\" data-id=\"86a93e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22fa094 elementor-widget elementor-widget-heading\" data-id=\"22fa094\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Related Areas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f679d9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6f679d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9fe210 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c9fe210\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/dhaherilaw.com\/en\/our-service\/litigation-and-legal-representation\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Litigation and legal representation services<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/dhaherilaw.com\/en\/our-service\/debt-collection\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Debt Collection Services<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/dhaherilaw.com\/en\/our-service\/commercial-services-companies-individuals\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Commercial services for companies and individuals<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ba3012 e-flex e-con-boxed e-con e-parent\" data-id=\"2ba3012\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39aa18d elementor-widget elementor-widget-template\" data-id=\"39aa18d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"13436\" class=\"elementor elementor-13436 elementor-11792\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e53796 e-flex e-con-boxed e-con e-parent\" data-id=\"5e53796\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1f02d8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e1f02d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The amendments to the Commercial Transactions Law No. 14 of 2020, which decriminalized the check without a balance, gave the beneficiary of the check the ability to directly execute the check with quick and easy procedures to ensure the speedy collection of the amounts in a way that guarantees him playing his role as a [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":11852,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[72],"tags":[],"class_list":["post-14871","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogs-en"],"_links":{"self":[{"href":"https:\/\/dhaherilaw.com\/en\/wp-json\/wp\/v2\/posts\/14871","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dhaherilaw.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dhaherilaw.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dhaherilaw.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/dhaherilaw.com\/en\/wp-json\/wp\/v2\/comments?post=14871"}],"version-history":[{"count":14,"href":"https:\/\/dhaherilaw.com\/en\/wp-json\/wp\/v2\/posts\/14871\/revisions"}],"predecessor-version":[{"id":15045,"href":"https:\/\/dhaherilaw.com\/en\/wp-json\/wp\/v2\/posts\/14871\/revisions\/15045"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dhaherilaw.com\/en\/wp-json\/wp\/v2\/media\/11852"}],"wp:attachment":[{"href":"https:\/\/dhaherilaw.com\/en\/wp-json\/wp\/v2\/media?parent=14871"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dhaherilaw.com\/en\/wp-json\/wp\/v2\/categories?post=14871"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dhaherilaw.com\/en\/wp-json\/wp\/v2\/tags?post=14871"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}