Bounced Cheque Cases

It states the reason for return, and the reason decides the route. A cheque marked for no or insufficient balance is an executive instrument under Article 667 and can be enforced directly. A cheque returned for a signature mismatch is not automatically in that category, so it is treated differently.

Not on insufficient funds alone. Under Federal Decree-Law No. 50 of 2022, criminal liability is confined to defined cases, including instructing the bank to stop payment outside the lawful grounds in Articles 651 and 656, closing the account or withdrawing or freezing the balance, signing the cheque so that it cannot be paid, and forgery. In the Article 674 and 675 cases the criminal action ends on payment or settlement before final judgment.

Establish which route applies, prepare and serve notice, negotiate settlement on recorded terms, and prepare the enforcement application to the Execution Judge. Where a matter requires representation before a court, that is reserved to registered advocates and we instruct one.

Yes. Under Article 648 of Federal Decree-Law No. 50 of 2022 the bank must pay whatever is available unless you refuse it, mark the cheque and issue a certificate. The balance is then recoverable under Article 667.

Yes, businesses can benefit from legal advice, risk management strategies, and representation in disputes involving dishonored checks.

Obtain the bank's return slip and keep the original cheque. Both are needed for whatever follows. Then take advice before contacting the drawer, because what is said at that stage can affect the position later.

A postdated cheque remains an instrument evidencing an obligation, and the underlying debt is recoverable in any event. The available route may differ, which is why the assessment comes before the filing.