Hours Matter
Receiving accounts are typically emptied within days, so reporting and freezing are treated as an emergency.
Most online fraud in the UAE now involves a payment made willingly to the wrong person. A supplier email is intercepted and the bank details changed, a marketplace seller disappears after payment, or a phishing page captures the credentials used to authorise a transfer.
Dubai Legal Expert acts for individuals and businesses across the UAE in online fraud recovery, combining police cyber complaints with urgent freezing applications on the receiving accounts.
Business email compromise is the most damaging variant we see. An email chain is monitored, and at the moment payment is due an invoice arrives from what appears to be the same supplier with different bank details. The payment is authorised normally and the loss is discovered weeks later.
In these cases the receiving account is usually within the UAE or the region, and it is emptied quickly. Speed of reporting and freezing is the single largest factor in whether anything is recovered.
Contact UsComplaints filed through the police cyber crime channels and with the Public Prosecution where appropriate.
Precautionary attachment on the receiving account as soon as it is identified.
Response to payment diversion fraud, including forensic review of how the email chain was compromised.
Recovery action on transactions where goods or services were never delivered after payment.
Structured written engagement with the paying bank, the receiving bank and any platform involved.
Receiving accounts are typically emptied within days, so reporting and freezing are treated as an emergency.
Review of how the email chain was compromised, which supports both the claim and any insurance position.
Freeze applications prepared as soon as the receiving account is identified from the transfer records.
Complaints filed through the correct police channel, which can produce account information a private party cannot obtain.
Written engagement with both banks setting out the position formally rather than through phone enquiries.
Payment verification procedures implemented so a changed bank detail is never actioned on an email alone.
Almost every payment diversion case we handle would have been prevented by a single phone call to a previously known number, confirming the change of bank details before the transfer was made.
That control is what we implement as part of every response. Any change to supplier bank details is verified by voice on an independently held number, never on the contact details contained in the email requesting the change.
Report immediately, freeze the receiving account, then pursue recovery.
We establish what was paid, to which account, and on the basis of which communication.
A complaint is filed through the appropriate police channel without delay.
A freeze application is prepared and filed on the receiving account as soon as it is identified.
Formal written engagement with the paying and receiving banks setting out the position.
Where an email chain was compromised, the mechanism is examined to support the claim and any insurance position.
Civil claims and execution against the account holder and any onward recipients of the funds.
The invoice looked identical to every previous one. Only the account number had changed and nobody called to check.
They filed the cyber complaint and the freeze application the same day. Part of the money was still sitting there.
A fraud where an email chain is monitored and a payment instruction is altered, so a genuine invoice arrives with fraudulent bank details at the moment payment is due.
Possibly, if the receiving account can be identified and frozen quickly, and through claims against the account holder and onward recipients.
Complaints are filed through the police cyber crime channels, and we file alongside the civil steps rather than relying on either alone.
Within days. Receiving accounts are typically emptied very quickly, and the freeze is the main opportunity for recovery.
That depends on how the payment was authorised and what verification took place. It is assessed on the specific facts of the transaction.
Verify any change of bank details by phone on an independently held number, never using contact details from the email requesting the change.
The receiving account is usually emptied within days. Contact us immediately. The first consultation is free.
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.