Short answer: Present the cheque on time, keep the bank’s return memo, then open an execution file with the original cheque and memo. The Execution Judge orders the drawer to pay, and if they do not, you request bank attachment, asset seizure or a travel ban. Funds are paid to you through the court.
- Step 1 – Present the cheque on its date, within 6 months of the date written on it
- Step 2 – Keep the bank’s return memo and the original cheque safe
- Step 3 – Gather supporting documents: your ID or trade licence, the drawer’s details, and any contract or invoice behind the cheque
- Step 4 – Open an execution file with the Execution Court of the competent emirate and pay the execution fee
- Step 5 – The drawer is notified and given a short period to pay
- Step 6 – Request enforcement measures if the drawer does not pay
- Step 7 – Collect and close the file once the cheque amount and costs are paid
Once the file is open and the drawer fails to pay, the Execution Judge can use the full set of execution powers:
- Bank account attachment across UAE banks
- Seizure and public sale of property, vehicles and shares
- Salary attachment for employed drawers, within legal limits
- A travel ban where the debt is AED 10,000 or more and the drawer may leave the UAE (Article 324, Civil Procedure Law)
File in the emirate where the drawer lives or does business, or where the cheque was payable. Our judgment enforcement team applies these measures in the order most likely to recover money quickly.