Facility Document Analysis
Close review of the facility letter, general terms and security documents, where the decisive wording usually sits.
Disputes with a bank start from an uneven position. The bank holds the account, the security, the standard terms and the ability to act first, often by freezing funds or calling in a facility before anything is discussed.
Dubai Legal Expert represents businesses and individuals in banking disputes across the UAE, covering facility and loan disagreements, personal guarantees, account restrictions, unauthorised charges and enforcement of security.
The disputes we handle most often involve facilities recalled without proper notice, penalty interest and charges applied outside the agreed terms, personal guarantees enforced against directors who did not appreciate the exposure, and accounts frozen following a compliance flag.
Banks litigate frequently and their documentation is prepared with that in mind. Success usually comes from close analysis of the facility documents, the security wording and the bank own compliance with its notice and procedural obligations.
Contact UsDisagreements over recall of facilities, restructuring terms, interest calculation and applied charges.
Defending directors and shareholders against enforcement of personal guarantees, including challenges to scope and validity.
Action where accounts are frozen or restricted, including engagement with the bank and the relevant authority.
Claims for interest, fees and deductions applied outside the agreed contractual terms.
Representation where the bank moves to enforce mortgages, pledges, assignments or security cheques.
Close review of the facility letter, general terms and security documents, where the decisive wording usually sits.
Testing what the guarantee actually covers, its limits, and whether variations released the guarantor.
Recalculation of interest, penalties and charges against the agreed contractual basis.
Rapid engagement where accounts are restricted, since delay compounds the operational damage to a business.
Negotiated repayment and restructuring terms, which are frequently a better outcome than contested enforcement.
Full representation in bank litigation before the UAE courts, as claimant or defendant.
The exposure that surprises clients most is the personal guarantee. A director signs at the time the facility is arranged, often without separate advice, and later discovers it is unlimited in amount, continuing in nature, and survives their departure from the company.
There are defences worth examining. Whether the guarantee covers the specific facility, whether later variations released the guarantor, whether demand was properly made and whether the security was enforced correctly are all questions that regularly change the outcome.
Analyse the documents, respond quickly, then negotiate or litigate from a prepared position.
We examine the facility letter, terms, guarantees and security documents to establish the true legal position.
Statements are reviewed and interest, fees and deductions recalculated against the agreed terms.
Formal written engagement with the bank setting out the position and any procedural failures on their part.
Where repayment is the realistic outcome, restructured terms are negotiated and documented.
Claims are filed, or enforcement and guarantee claims defended, with the document analysis already complete.
The matter concludes through settlement, judgment or release of security and guarantees as applicable.
The guarantee was being enforced for facilities agreed after I resigned. That argument closed most of the claim.
Our account was frozen without warning. They engaged with the bank immediately and trading resumed far faster than we expected.
Yes. Interest, fees and deductions applied outside the agreed contractual terms can be challenged and recovered through negotiation or proceedings.
That depends on the wording, the facilities covered and whether later variations affected the guarantee. Each guarantee needs individual analysis.
Accounts are restricted for several reasons including compliance reviews, court orders and execution proceedings. The correct response depends entirely on the cause.
Facility documents often give wide recall rights, but the bank must still act within the agreed terms and follow any required notice procedure.
Usually yes, and restructured repayment terms are often a better commercial outcome than contested enforcement for both sides.
Cheque enforcement can be challenged where the cheque was security for a different amount or where the underlying debt has been reduced or settled.
Send us the facility documents and the correspondence from the bank. The first consultation is free and confidential.
Office No. 9C, 9th Floor, Dubai Creek Tower, Next to Land Department, Deira, Dubai, UAE
Dubai Legal Experts provides trusted legal advocacy across the UAE with experienced lawyers and clear legal guidance.