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Drafting Wills

A Will is a legal document that declares the intentions as to what should happen to the assets belonging to anyone upon his\her death. Wills cover movable assets (cash, investment, cars, jewelry and any other personal effects) and immovable assets (i.e. real estate property). For the UAE- based Non-Muslim expats, a validly written Will could be the only possible way to unveil the wishes to be respected in relation to any assets and children.

There are two types of Wills that can be written by a non-Muslim having assets or residing in the UAE:

1. Dubai Court\ Notary Public Wills: These wills are usually drafted in English and Arabic languages (bilingual format) and registered with a Notary Public in the Emirate where the testator resides or has assets.

2. DIFC Wills: Non-Muslims in Dubai and Ras Al Khaimah have the option to register their Wills with the DIFC Wills Service Centre (DIFC WSC). These Wills are prepared and registered pursuant to the DIFC WSC rules which are based on the principles of common law.

 

The Civil law

The Civil law is the law system that is applied in the UAE and has a lot of aspects that differs from the Common Law system. Our legal staff specializes in all Civil Law cases, which includes the day-to-day issues that any individual, business, or organization may face. We have handled insurance claims involving damages, reimbursement, and debt collection, as well as breach of contract, performance orders, and contractual responsibilities.
Our lawyers can assist with contract drafting and due diligence for potential hazard sin order to protect our clients’ interests in a proactive manner
Our lawyers have a wide range of expertise dealing with banking and financial issues. In relation to local and international banks and financial institutions, funds, private equity, trustees, and a variety of other money structures, we give legal advice that our customers can trust.
We help our clients with loan agreements, guarantee agreements, commercial disputes, and bank-related lawsuits by reviewing and preparing them.
Our lawyers can assist with contract drafting and due diligence for potential hazard sin order to protect our clients’ interests in a proactive manner

Criminal Law

The United Arab Emirates is regarded as one of the safest countries in the world. Nonetheless, there are numerous criminal situations in general. Theft, forced robbery, domestic burglary, fraud and breach of trust, as well as sexual assault and abuse, are the most common individual crimes. The UAE, on the other hand, is seeing an increase in the number of organizations that execute a large number of financial, banking, and commercial operations.
Fraud, falsification of documents, bounced checks, and breach of trust are all crimes that occur in the business and corporate sectors. Our attorneys have more than 21 years of expertise handling criminal cases of varying degrees of intricacy. Our legal experts work to ensure that a criminal case is successfully completed.

Litigation

The United Arab Emirates civil legal system is made up of federal and local legislation that apply to each Emirate. In the United States, the Federal Civil Proceedings Law oversees court and litigation procedures. There are also autonomous courts that predominantly use English and Welsh law, such as the Dubai International Financial Center Courts (DIFC Courts) and the Abu Dhabi Global Markets Courts (ADGM Courts). Contract disputes, breach of trust, financial crimes, criminal law challenges, and civil claims are all areas of commercial and business law where our litigation practice group has substantial experience and understanding.
We handle all parts of litigation, including case registration, First Instance Court appearances, and filing and pleading appeals with the Supreme Court of the United States.

In the UAE, a debtor’s financial responsibilities might take many different forms depending on the nature of the connection. Any money borrowed by a debtor from a UAE financial institution through credit products (credit cards or loans), cheques, rent payments, and security cheques are examples of such relationships. Some of these debts may have arisen as a result of an express or inferred financial commitment. In the UAE, failure to pay any of the aforementioned types of debt makes the defaulter responsible under both criminal and civil laws. Our Partners specializes in all aspects of collection, including dispute resolution, mediation, negotiation, and settlement, as well as criminal and civil litigation.

Through the following services, we may represent the client, whether a debtor or a creditor, and resolve debt collection issues:

  • Legal counsel
  • Serving legal notifications against the debtor and collecting the relevant information on his activity
  • Drafting settlement agreements; Make a police report against the debtor
  • Litigation in criminal and civil courts
  • Execution of court judgements
 
Almost all foreigners intending to do business ‘onshore’ (outside of designated business zones known as ‘free zones’) in the UAE must associate with a UAE resident or a company fully owned by UAE nationals, according to the UAE legal framework. However, it is important to note that the preceding is currently being reviewed in reference to specific industries.
Foreign businesses can operate from the UAE by registering an overseas branch and entering into a contractual sponsorship agreement with a local party, or by forming a limited liability company (LLC) in which local partners hold a majority of the issued shares (though not necessarily the economic rights), or by forming Free – zone Companies and Establishments; Offshore Companies.
The real estate market in the United Arab Emirates is one of the largest in the world. Any investor can participate. Developers work on a variety of completed and off-the-plan projects where potential property owners can benefit from things like residency visas, business opportunities, and investment opportunities.
The competent authorities in the real estate sector handle a variety of disputes, including the termination and deregistration of purchase contracts, the cancellation of investors’ bounced checks, rental disputes between landlords and tenants, court litigation and arbitration, and broker breach of agreements, among others.

The UAE Sharia – based Personal Status Law covers marriage , divorce and succession . Also, it governs child custody , guardianship and maintenance of children . The courts ‘ interpretation of the family law provisions is based on Sharia , which constitutes the UAE primary legal justification on matters involving family law . UAE family law applies to foreigners , unless they choose application of their national law . Our family lawyers are qualified to provide advice on all family legal matters relating to marriage , divorce , separation , financial allocation , property disputes , alimony , guardianship and child custody in regards to the local laws or foreign family law .Our family lawyers are qualified to provide legal assistance on all aspects of family law, including marriage, divorce, separation, financial allocation, property disputes, alimony, guardianship, and child custody, whether under local or international law.

We have years of experience in resolving family legal matters amicably through the mediation process rather than going to court. Our legal services include:

  • Legal advice and out-of-court settlements;
  • Prenuptial agreements drafting
  • Divorce and separation cases drafting
  • Child custody and guardianship drafting
  • Financial allocation drafting
  • Inheritance and distribution of the heritage drafting.

The Federal Labor Law regulates the main aspects of labor relations in the United Arab Emirates. The UAE National Immigration Service and the Ministry of Human Resources and Emiratization collaborated on the legislation. The provisions address all aspects of the employer-employee relationship, including employment contracts, restrictions on the employment of minors and women, record-keeping and file maintenance, leave rules, working hours, medical and social care, employee safety, disciplinary regulations, termination of employment contracts, end-of-service benefits, compensation for occupational diseases, penalties and accidents, labor inspections, and more. The immigration process is a crucial part of legal security and staying in the UAE as a tourist, business visitor, employee, investor, or permanent resident.

Our experience includes assisting with Labor and Immigration Laws that govern the relationship between employers and employees. Our employment practice includes advising and assisting clients with the drafting of limited and unlimited labor contracts, non-compete and non-disclosure agreements, and employee rights in unfair and arbitrary dismissal cases before all UAE Courts and the Ministry of Human Resources and Emiratization. In this arena, we provide:

  • Legal advice on labor concerns;
  • Drafting employment contracts
  • Handling employment procedures to avoid

Tax Law

As of 1 january 2018, the Value Added Tax ” VAT ” Our professional team provides fill advice on tax, legal opinion on commercial and civil transactions, international taxation rules and regulation, business structuring, tax returns, tax audits, proper book keeping; drafting and review of commercial contracts.

Our knowledge enables us to render the following scope of tax services:

  • Legal advice on organizing the business and all relevant operations
  • Drafting and review of commercial agreements with \ without on VAT
  • Due diligence for commercial companies.
  • Tax disputes

Commercial Law

To meet our clients’ needs, our Business Practice will assist them in creating, analyzing, and interpreting a wide range of commercial contracts.Clients’ needs are met, and their best interests are safeguarded.We have extensive expertise establishing and structuring contracts for a variety of purposes, including real estate purchase and financing, and business transactions. Construction contracts, settlement agreements, confidentiality agreements, and non-disclosure agreements are all examples of non-disclosure agreements.

We also offer legal risk evaluations and due diligence services. We hold our client’s hand through the successful completion of their transaction.Transactions in business When disagreements develop and things go wrong, our valued clients may be confident that their concerns will be handled with the highest care. While cases are being tried in Courts, professionalism, efficiency, and confidentiality are essential. Our expertise in this field is unrivaled. field, and we go beyond limits to serve our clients perfectly.

Legal Medical Negligence Services

Medical Liability Law is governed by UAE Civil Law and the Criminal Procedure Code, which are applied according on the facts of the case. Medical malpractice and hospital negligence are both examples of “acts producing physical hurt for which the afflicted receives reasonable compensation for the physical and moral harms.”Medical errors are described as blunders that arise as a result of a doctor’s negligence. It could also be due to a lack of focus on patients or even a lack of professional competence.Victims of medical malpractice or carelessness may file a lawsuit against the doctor or the facility. Our experienced lawyers can provide appropriate legal advice to help victims defend themselves from negligence.

Arbitration Cases Arbitration has gained in popularity in the UAE and the surrounding regions as a means of resolving disputes. Any applicable disagreement shall be referred to arbitration if a contract has an arbitration clause. Due to tribunal and administrative expenses, arbitration hearings are typically expensive. Parties to arbitration can, however, benefit from more appealing features such as confidentiality and speed of the procedure; arbitrations can be held in English or any other language agreed upon by the parties; and picking the proper laws to be applied, among others.

Cyber Crimes

All violations involving technology are considered as cybercrimes punishable under UAE law. Our lawyers enjoy a strong experience is extraordinary criminal cases such as cybercrimes. Today , most cyber – attack relates to frequent crimes in the fields of banking , financing , commercial , media , etc . With specific use of technology, cyber – attack may forge electronic documents or use fake documents, obtain commodities by fraud ; obtain information on bank accounts or use other people ‘s data and take over their funds ; or use any type of fake bank cards .

Regarding these matters , we enjoy deep legal knowledge that covers all relevant practice areas and procedures . Based on circumstance of each and every the case, we provide advice, complaints before civil and criminal courts of jurisdictions . Our practice includes the following cluster of cases:

  • Breach of privacy
  • Disclosure of confidential information
  • Intentional capture of or interception through a communication network without permission
  • Defamation
  • Publishing “illegal content”
  • Hacking and phishing
  • Money laundering, credit card fraud, identity theft
  • Inciting criminal and terrorist acts
  • Threatening security of the state.

Media Disputes Law

The UAE has become a growing player on the global media landscape. Hence, the UAE is placing a considerable importance on the media industry. The National Media Council (NMC) constitutes the federal media regulatory body, entrusted with overseeing and handling all the media affairs in the United Arab Emirates including the free zones.

Media law covers wide spectrum of practice, namely, publishing houses and publications; distribution of publications; newspapers, periodic publications and new agencies as well as import and export of publications, newspapers and newsletters; films; a Advertising and other related materials; publication banned content; penalties, etc. This media practice area, does of course need a professional legal assistance to support media business and protect the relevant markets.

The USA Law of Civil Transactions is the primary source that stipulates a number of principles regarding insurance law and the relevant rights as well as the insurance policy model. Our legal team handles insurance claim disputes between brokers, underwriters and reinsurers, as well as the disputes between corporate clients or government, public sectors, institutions and their insurers. Our Lawyers provide specific legal guidance to assist with any insurance matter across all industries. 

It is noted that insurance disputes in UAE have risen over last time. Sometimes insurers deny payment of partial claims that do not fully reimburse the losses or endeavor to find gaps that enable application of vague terms and unclear language of a claim submitted documents, etc. Our insurance practice covers the following scope services:

  • Advising on licensing, compliance and insurance policy
  • Insurance coverage
  • Indemnity insurance risk
  • Insurance litigation.

Our skilled lawyers advise our corporate customers to achieve their business objectives by analyzing their respective board procedures, corporate policies, and exercising due diligence in connection to company restructuring in accordance with best practice.

Furthermore, we are committed to fostering long-term strategic partnerships and business development by providing cost-effective and proactive legal services such as:

  • Company restructuring: bankruptcy and insolvency
  • Due diligence and assisting clients in achieving their business goals and objectives.
    Law of Commerce Our Commercial Practice will help clients design, evaluate, and interpret a wide range of commercial agreements

Our Financial Crime team specializes in all aspects of financial crime including financial fraud, asset misappropriation, business misconduct and fraud committed via misuse of information technology.

We handle, represent and advise on a wide range of matters for all arrays of client whether individuals, corporations or other businesses in specific civil and common-law jurisdictions.

Trademarks are logos or brief slogans that help differentiate a commodity or service from other commodities and services in the same geographic area. Trademarks registered in the UAE are protected under the Federal Law on Trademarks. The law is intended to protect the interests of both corporations and consumers. Copyright refers to a set of exclusive rights awarded to an original work’s author or creator, including the right to copy, distribute, and adapt the work. The Federal Law on Copyright and Authorship Protection protects copyright in the UAE. Authors of literary, artistic, and scientific works of whatever value, kind, aim, or mode of expression are protected. Patent is a set of exclusive rights granted by the country to inventors or their assignee for a limited period in consideration of public disclosure of an invention . In the UAE , patents are granted when the application meets the criteria of Novelty , Inventive Concept ( non – obviousness ) and Industrial Applicability . Triple A Advocates provides comprehensive intellectual property protection in the UAE and abroad .

Our scope of property services covers defending and advising on safeguarding a new idea and securing the relevant intellectual property rights . Our extensive intellectual property knowledge makes us in a position to assist our clients to protect their creative new ideas and technologies , biotechnologies and any other innovations . Such assistance includes :

  • Legal Advice
  • Trademarks registration
  • Copyright registration and protection
  • IP litigation and canceling trademarks
  • Patent registration
  • Counterfeit prevention

Our experienced corporate and commercial team offers a wide range of high-quality services to help foreign shareholders conduct business under advanced legal frameworks. We counsel them on how to safeguard their own interests while ensuring that the company’s commercial operations run smoothly.

Our legal practice in respect to resolving a shareholder dispute includes the following services: – Advising on shareholder rights under commercial company law as well as shareholder liability in a Limited Liability Company.

Arbitration has increasingly become a popular means of dispute resolution in the UAE and the surrounding regions as well. If a contract contains an arbitration agreement, any relevant dispute should be referred to arbitration. Arbitral proceedings do generally involve high costs owing to tribunal and administrative fees. Nonetheless, parties to arbitration can have more attractive advantages such as: confidential proceedings and the speed of the process; arbitrations can be conducted in English, or in any other language agreed by the parties and selecting the appropriate laws that will be applied, etc.

Our litigation team is specialized in arbitration under the local and international laws. Our lawyers across the Middle East, Asia and Europe provide advice on a wide range of industries including commercial matters, joint ventures, oil and gas, construction, banking and finance, telecommunications, pharmaceutical, media and technology. Practically, our dispute resolution services cover all aspects of arbitration, particularly:

  • Register the arbitration cases, attend and pleading before arbitration
  • Drafting effective dispute resolution, memoranda and written comments on expert reports
  • Settlement or mediation in relation to arbitral issues
  • Handling execution procedures pertaining to arbitral awards and Court judgments.

Construction & Infrastructure

Lawyers have an extensive and comprehensive knowledge of the construction industry and real estate sector. Our professional team specializes in advising public and private construction companies, engineering consultants, energy, infrastructure and manufacturing facilities. We provide consultations and assistance to our clients with issues relevant to breach of contract, litigation and dispute resolution.

Our construction related legal services include:

  • Advising, negotiating & drafting construction contracts
  • Estimation, management and mitigation of risk
  • Initiating claims and filing Court cases
  • Litigation & dispute resolution including mediation, Expert appointments and arbitration.

Our experienced Litigation lawyers have a reputation for offering timely and expert services ina wide range of commercial litigation cases, including contractual disputes, breach of trust, financial crimes, criminal law issues, and civil claims. From the first stages of filing a law suit to trial in the First Instance, Appeal, and Cassation Courts, and eventually judgment execution, we handle litigious situations.

We make certain that our clients receive a complete variety of services from start to finish. Our legal experience includes handling cases before the Dubai First Instance, Appeal, and Cassation Courts. Client representation at the DIFC Courts, the Dubai International Arbitration Centre, and other venues

 

Litigation And Judgment Execution Commercial

Our seasoned Contractual disputes, breach of trust, financial crimes, criminal law difficulties, and civil claims are just some of the areas where litigation lawyers have been recognized for their prompt and professional services. We manage litigious cases from the first phases of filing the lawsuit, through trial in the First Instance, Appeal, and Cassation Courts, and finally to judgment execution. We ensure that our clients receive a full range of services from beginning to end.

Among the cases we’ve handled are: Cases handled in Dubai’s First Instance, Appeal, and Cassation Courts. Representing clients in DIFC Courts, the Dubai International Arbitration Centre, and other forums Our legal knowledge is based on extensive experience in resolving property disputes.

Frequently Asked Questions

The means of dispute resolution are multiple, for example, the use of courts and arbitration. The UAE courts have two instances of litigation (first instance and appeal courts).

However, arbitration takes place on one instance only and litigants seek it for speedy settlement of the dispute and ensuring the judgment by an arbitrator specialized in the subject of dispute.

The parties of the dispute can specify the place to attend the hearings, the language of the arbitration proceedings, the different time periods and many procedures they agree upon to facilitate the resolution of the dispute.

Arbitration is done by an arbitrator or a tripartite arbitration committee, either through a specialized center (within one of the approved arbitration centers) or by external free arbitration.

After the arbitral judgment is issued, it shall be executed by the State Courts.

With issuance of Decree-Law No. 14 of 2022 applicable as from 2 January 2022, the crime of giving a cheque without balance was cancelled and the legislator dropped the penalty for this crime, which is the most common among the clients of the cheque.

But the punishment continued for the following crimes:

– Giving a non-withdrawable check.

– If the total amount is transferred or the account is closed before the cheque is issued.

– Signing of the cheque with a non-conforming signature of the bank.

– Issuing an order from the issuer of the check to the bank to stop cashing the check.

 

The new legislation introduced new ways of collecting the cheque; there’s now a partial collecting of cheque and opening a direct execution file against the source of the cheque. However, the law stipulated that the reason for the bank’s refusal is absence of balance or insufficient balance only. Other than these cases, normal procedures are taken to claim the value of the cheque by referring a notice of payment and then issuing a performance order.

 

– As the relationship was regulated by a contract between the parties, the developer must execute the contract in good faith and execute all the requirements of the contract.

– As the contract between the parties is a binding contract on both parties, the developer may not return, modify or terminate by a party, but the contract must be executed on all its terms.

– Any breach by the developer requires compensation or termination and compensation only according to the case and based on the buyer’s damages, both in terms of the developer’s breach or unilateral termination of the contract.- If the sale is on the map, the developer must register the sale in the initial register of the Land and Property Department.

– The developer must complete the execution of the sold unit at the agreed time and according to the specifications agreed upon in the contract.

– If payments are linked to the rate of achievement, the developer has not right to claim advance payments that exceed the percentage achieved in fact. The developer is negligent of its obligation if he does not achieve a percentage equal to the amounts received.

– Delaying in execution and breaching of specifications on the part of the developer that allow the buyer to claim termination of the sale contract and compensation.

– The space for the sale must not be less than 5% of the contract agreed and if it was less than that, the compensation for it would be deserved and anything more than, the developer had not right to claim.

– The developer must deliver the seller the origin of the sales contract.

– The developer must open an escrow account for the project and deposit all amounts received from buyers in the escrow account and not dispose of them, excepting for project execution works only.

 

The UAE law regulates the reasons for dissolving and liquidating companies and determine the cases in which the company ends, the law differentiated between general cases and cases related to partners (of a personal nature). In the following, we will present these cases.

– General Cases

a- Expiry of the reason for which the company was established or the expiry of its term.

b- Partners’ desire to dissolve the company.

c- Losing of all capital.

d- Losing of half of the capital in joint stock companies.

e- Integrating of the company with another company.

f- Issuing of a judgment of dissolution and liquidation.

Cases related to partners (of a personal nature)

a- Gathering of the partners’ shares with one partner.

b- Retreating of a partner if the company consists of two partners only.

c- Bankruptcy of a partner in the company consisting of two partners.

d- Death of a partner in the company consists of two partners and the heirs didn’t wish to continue in the company.

– Imprisonment.

– Travel ban.

– Arresting and bring the debtor.

– Reserving of balances, bank accounts, deposits and vehicles.

– Reserving of the debtor’s money with others.

– Reserving of trade license.

– Reserving of land and property.

The Federal Decree-Law on regulating labor relations in the private sector created three types of work, “part-time work”, “temporary work”, “flexible work” in addition to “remote work” and the previously existing types. The amendment also extended to include vacations, the new code introduced types of vacation such as mourning leave, parental leave, study leave, full-time leave to perform national and reserve service with paying (for citizens) and maternity leave.One of the most significant amendments in the new Labor Code is limiting the types of employment contracts to a fixed-term employment contract only and transforming all indefinite-term contracts to fixed-term contracts. Decree No. 14 of 2022 was also amended to conclude fixed-term contracts for any term and to be renewable in accordance with the parties’ agreement.

The trial period was also amended and the legislator required that it not exceed (6) six months. The law regulates cases of termination of work during the trial period. In case of the employee’s service is terminated by the employer during the trial period after notifying him in writing, fourteen (14) days before the date of termination of his service, On the other hand, if the employee leaves his job during the trial period, the employee who wishes to move to another job and is still in the trial period must inform the employer in writing “a period of no less than a month prior to the date of his desire to terminate the contract.”

The termination of contract was also amended in the leave period, parties of fixed-term contract can terminate the contract during the leave period, the duration of the notice agreed upon in the contract shall enter into force from the day following the employee’s return from leave.

The new Labor Code also permits if the termination of the employment contract by the employer, the employee has the right to be absent an unpaid working day per week to search for another job, provided that the employer is notified at least (3) days prior to the absence. The party that didn’t commit to period of notice stipulated in the contract must pay to the other party a compensation called “Notice Allowance”.

Arbitrary dismissal or compensation was also amended in favor of the employee and the legislator limited it to only one case. The employer is obligated to pay a just compensation to the employee estimated by the court. If the employer was dismissed because he filed a labor complaint and the compensation does not exceed the employee’s salary for a period of (3) three months, it is calculated according to the last salary he was receiving, in addition to notice allowance and end of service gratuity.

The new labor law also approved exempting labor cases from judicial fees at all stages of litigation and execution and requests submitted by employees or their heirs, not exceed 100,000 AED.

If was the purpose in the processing of seeking the arbitration in stead of court proceedings, being the expedition of adjudication the dispute, it would be logical to exclude or limit customary methods of appeal to the possible extent. Based on this logic, most laws (especially in international trade) refuse to challenge the arbitrators’ awards in any way whatsoever. This trend is based on the fact that, as long as the adversaries agree to exclude the jurisdiction of the State, at the same time they want to exclude the modification and reform of the arbitration award through the State’s jurisdiction as well.

This is in principle, but at the same time there is a consensus that the arbitrators’ respect for their functions must be considered by adopting a special claim of invalidity. That is what most of the world’s laws have adopted.

Comparative jurisprudence refers to the fact that the courts’ control of the arbitral award is essentially formal. When the tribunal is elected to hear the claim for annulment of an award, the tribunal does not act as an appellate tribunal reviewing the factual and legal aspects of the case, or as a court of cassation and discrimination examining the validity of the tribunal’s application of the rule of law and its interpretation, rather, the court conducts formal control over the arbitral tribunal’s award, for example, monitoring the proper installation of the arbitral tribunal, the extent to which the rules of public order are respected, and the validity of the arbitration agreement as detailed in its statement. Some jurists go on to renounce the challenge of nullity and to repeal it originally, and make executive formalities the only way to extend the judiciary’s control over arbitration. Despite the relevance of this proposal, it seems now for us, that it needs to prove its usefulness and effectiveness in reality.

It is originally for the competent judicial authority to order the execution of the arbitrator’s award, unless a litigant has applied for annulment, in accordance with the following cases specified exclusively in all legislation:If the judgement was rendered in the absence of an arbitration agreement, or on the basis of a null and void agreement, or falls beyond the deadline, or if the arbitrator departs from the limits of the agreement.

If the judgement is made by arbitrators who have not been appointed in accordance with the law, or is made pursuant to an arbitration convention in which the subject matter of the dispute is not specified, or by a person who is not eligible to agree on arbitration.

If the basic procedures, including the right of each party to submit its defence, are not respected. In addition, the Court’s decision to invalidate the arbitral award on its own initiative in the following cases:If the subject matter of the dispute is a non-arbitrable matter. “If the arbitral award contravenes public order and morals.

Bank customers think like this, when they believe the Bank is demanding undue amounts or when they pay the debt in full with interest. However, the Bank continues to claim additional amounts or take judicial action against them, such as travel ban or a reservation 0rder.In this case, we recommend that you follow the following steps: –

1. Prepare a consultant report from a banking expert or accountant that includes the customer’s account statement, the value of loans or facilities received from the bank and what has been paid to the bank and the liquidation of the account between the client and the bank.

2. register expert appointment-court case, and submitting the advisory report (and it is possible to commence with step 2 directly).

3. After obtaining the court report in favor of the client proving the client’s entitlement from the court expert to recover certain amounts, a claim against the bank is registered. The Court therefore assigns a banking or accounting expert to examine the rights and obligations of both the bank and the client (in the light of the client’s advisory report) and reach a conclusion in the report to liquidate the account and sends the report to the Court.