Pay only Dhs489,000 not full loan, Dubai court tells debtor after a dispute over amount claimed by creditor

An Arab national borrowed Dhs1.5 million from another, then the creditor transferred his right to the amount to a third man who demanded full payment from the debtor, however, the debtor confirmed that he had previously paid a large part of the debt to the original creditor before the amount was transferred to the second person.

After examining the accounts, the Dubai Civil Court obligated the debtor to pay Dhs489,000 only, with 5% annual interest from the date the judgment becomes final.

In detail, the third man (the new creditor) filed a lawsuit against the debtor, demanding an amount of Dhs1.5 million, based on an agreement concluded with the original creditor in December 2025, in addition to a debt acknowledgment signed by the debtor in which he pledged to pay the amount.

The debtor said in his defence that the amount claimed does not represent the real amount of the debt, explaining that he already paid Dhs1.203 million to the original creditor before the agreement through 6 bank transfers, and that the remaining balance does not exceed Dhs296,250.

He also requested to include the original creditor in the lawsuit to verify the reality of the debt and payments.

The court included the original creditor in the lawsuit, then appointed an accounting expert to review the financial relationship between them and the debtor and determine the value of the original debt.

It was proved through the expert report that the debtor had paid part of the amount to the original creditor before the agreement to transfer the debt, while the original creditor stated that these payments pertained to other transactions, but did not provide sufficient documents to prove that.

The expert affirmed that the total fixed debt owed by the debtor to the original creditor amounted to Dhs489,000.

The court was satisfied with the expert's report and considered that the transfer of the right to the amounts applies only to Dhs489,000, and rejected the claim for more than this amount and obligated the debtor to pay Dhs489,000 to the new creditor, with legal interest of 5%, in addition to fees, costs, and Dhs2,000 as lawyer fees, and rejected all other requests.