Expat Leaving UAE? Avoid These Mistakes: Credit Cards, Visas, & Tenancy Termination

 Question: I'm retiring from Dubai. What do I need to do about visas, credit cards, and my apartment before I leave?

Expat Leaving UAE? Avoid These Mistakes

Answer: When leaving the UAE permanently, you must address several key aspects to ensure a smooth transition while complying with the applicable laws and regulations.

1. Closing Bank Accounts: As stipulated in Article 9(b) of the UAE Central Bank Regulation No. 29/2011 (dated February 23, 2011) concerning Bank Loans & Other Services Offered to Individual Customers, a customer may request the closure of their bank account and the termination of their relationship with the bank. The law mandates that banks must process account closures without imposing penalties if the account has been open for more than one year. Furthermore, banks are required to issue a certificate confirming the account closure within a maximum of seven days from the date of request submission.
2. Visa Cancellation: If you are sponsoring your family members, Federal Law No. 6 of 1973 on the Entry and Residence of Foreigners mandates that you must first cancel their visas before proceeding to cancel your own. This can be done by visiting an Amer Service Centre or completing the process online, submitting the required documents, and paying the applicable fees.
3. Tenancy Agreements: Dubai Land Law does not explicitly address early termination of rental contracts. However, it is advisable to notify your landlord in writing at least 90 days prior to the contract's expiration if you intend to vacate. This is in accordance with Article 14 of Law No. 33 of 2008 Amending Law No. 26 of 2007, which requires either party to notify the other at least 90 days in advance if they wish to amend or terminate a rental agreement. If you need to terminate your tenancy early, you should attempt to reach a mutual agreement with your landlord. In case of disputes, you may approach the Real Estate Regulatory Authority (RERA) for resolution.
4. Clearing Credit Card Dues: It is crucial to clear all outstanding credit card balances prior to your departure. Failure to comply could result in the lender initiating legal proceedings. Under Articles 324 and 325 of the Federal Decree-Law No. 42 of 2022 on Civil Procedures Law, if the outstanding amount exceeds AED 10,000, the lender may request the court to impose a travel ban or initiate further legal actions, such as payment order cases or civil suits, to recover the debt. A final judgment against you could lead to execution proceedings, including potential travel bans or arrest warrants.

Conclusion: Before retiring and leaving the UAE, ensure that you:

• Close all bank accounts and secure a closure certificate.
• Cancel all family visas and your own visa.
• Notify your landlord of your intention to vacate and manage the tenancy agreement appropriately.
• Settle all outstanding credit card dues to avoid legal complications.

Consulting the relevant authorities or legal professionals for further guidance is highly recommended to avoid any regulatory or legal issues.

I hope this revised version is clear and comprehensive! Let me know if you'd like further refinements.

 

Expatriates in the UAE will not be exempt from criminal charges for bouncing cheques

Expatriates in the UAE will not be exempt from criminal charges for bouncing cheques, authorities said, clarifying media reports that foreign nationals who write bad cheques will no longer be punished.

The Higher Committee for Debt Settlement Fund for Nationals said it will only settle bad debts for Emirati citizens and not foreigners living in the Gulf state.

“The mechanisms set by the fund will apply only to UAE citizens, and not others, and this includes the President’s directives to decriminalise [bounced] security cheques presented by UAE citizens to banks and financial firms,” a statement on state news agency WAM said.

“The prosecution shall suspend all criminal cases and the courts shall dismiss all cases in connection with security cheques presented by Emiratis,” it added.

The statement comes days after local media printed contradictory reports on whether the UAE was ending prison terms for expatriates that write bad cheques.
Arabic daily Al Ittihad on January 1 said bouncing a cheque would no longer be a criminal offence for expatriates, quoting Ali Khalfan Al Dhaheri, head of the legal affairs department at the Ministry of Presidential Affairs,
“In line with the directives of Sheikh Khalifa... and in the spirit of fairness and equality, the courts have stopped as of last month accepting collateral cheques presented as a criminal tool against expatriate debt defaulters,” he told the newspaper.
“Federal public prosecutions in the country have, indeed, released expatriate detainees as has been the case of their Emirati counterparts who were freed last October,” added Judge Jassem Saif Buossaiba, head of the judicial inspection department at the Justice Ministry.
Gulf News however denied the report. “There is no relaxation or debt waiver for expatriates,” deputy minister of Presidential Affairs Ahmad Jumaa Al Zaabi told the newspaper.
Cheques are used in the UAE to underwrite credit cards, loans and guarantee future payments and bouncing cheques is a criminal offence and not a civil one.
Authorities in October relaxed the penalties for Emiratis who write bad cheques and in November freed around 290 UAE nationals who were in prison for bouncing cheques.
UAE President Sheikh Khalifa Bin Zayed Al Nahyan in May allocated around AED5m to settle defaulted loans for each indebted Emirati. In August, the Central Bank ordered banks to extend maturities on personal loans held by Emiratis by more than four years.

UAE bans credit card surcharge from July 1

Ministry of Economy has warned retailers in the UAE to stop charging fees on credit cards from July 1. Sultan bin Saeed Al Mansoori, Minister of Economy and Chairman of the Supreme Committee for Consumer Protection, headed the second meeting of the committee for 2011 which passed resolution prohibiting retailers from imposing charges on credit card usage as commission.
The committee also agreed on liberalising trade of 15 new products including detergents and washing powders, dairy products and juices, drinking water, livestock, feed, fats and oils, and the list will be sent to the cabinet for approval.
This is strategic to reduce monopoly and exploitation, and will enhance market competitiveness,” said Al Mansoori.
The committee reviewed a report on the advertisements for fast food outlets, and recommended that awareness measures must be initiated to ensure that customers are not misled by catchy advertising and resort to unhealthy eating, especially of junk food.
The committee also reviewed a report on the status of the Call Centre in the Consumer Protection Department, and another on the difference between the prices of key food items sold at cooperative societies and major retail outlets.
The committee discussed the Electronic System for Goods Monitoring which is expected to be operational during the second half of 2011. Currently, the ministry is undertaking a pilot phase with some commodities and the results will be generalised for other goods. The new system works through electronic links between the major trading centres and UAE customs ports, and can monitor the prices of 200 commodities on a daily basis.
The committee discussed a report on the increase of prices at gas stations and recommended to open channels of communication between the Ministry of Economy and all petrol stations with the participation of representatives from economic departments to identify the reasons for rise in price.
The committee was briefed on a proposal to reduce rental fees at retail outlets and cooperative societies. The committee recommended the distribution of marketing margins equally between retail outlets and consumers