Despite being informed, the defendant failed to show up for hearings, the judge observed. Abu Dhabi: A court determined that a man in Abu Dhabi had defaulted on two financing facilities and a credit card, failing to fulfill his agreed-upon repayment duties. As a result, the individual was forced to return more than Dh811,000 to a bank. The defendant was ordered by the Abu Dhabi Commercial Court (Court of First Instance) to pay Dh811,077, which is the remaining balance on the facility, plus an extra Dh5,000 to cover the bank’s damages.
According to Emarat Al Youm, a bank filed the lawsuit in order to recover Dh811,077 as well as Dh20,000 in compensation, court costs, and legal fees. The bank informed the court that the defendant had obtained financial services, including a credit card and two sukuk murabaha financing, but had neglected to pay back the withdrawals and installments, resulting in an accumulated debt.
The bank provided a wage certificate, copies of identification documents, bank checks, and other evidence describing the facilities and unpaid balances to bolster its claim. The court stated in its reasoning that it relied on the conclusions of an expert selected by the court, whose report it deemed reliable and well-founded.
The expert came to the conclusion that the defendant had been given a secured credit card and two sukuk murabaha facilities by the bank, and that due to the defendant’s noncompliance with repayment duties, a total of Dh811,077 was owed. According to the court, the amount included Dh188,687 for the secured credit card, Dh51,162 for one murabaha facility, and Dh571,227 for a second murabaha facility. The court observed that despite being properly informed, the defendant did not show up for hearings and did not present any evidence or defense that would have refuted the bank’s claim’s foundation or amount.
Regarding compensation, the court determined that the bank was entitled to damages for the injury caused by the breach of contractual obligations due to the demonstrated default. As a result, it rejected the rest of the bank’s claims and granted Dh5,000 in compensation. The defendant was also sentenced to pay court costs, which included Dh200 in legal fees.
