{"id":3200,"date":"2026-05-04T06:13:49","date_gmt":"2026-05-04T06:13:49","guid":{"rendered":"https:\/\/alsaadiadvocates.com\/?p=3200"},"modified":"2026-05-04T06:39:33","modified_gmt":"2026-05-04T06:39:33","slug":"hidden-bank-charges-mohammad-alsaadi-advocate","status":"publish","type":"post","link":"https:\/\/alsaadiadvocates.com\/ar\/hidden-bank-charges-mohammad-alsaadi-advocate\/","title":{"rendered":"The End of &#8220;Hidden&#8221; Interest: How Mohammad Al Saadi Advocates Challenges Unlawful Bank Charges"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3200\" class=\"elementor elementor-3200\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13dbe580 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"13dbe580\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-35c995db e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"35c995db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ec81413 elementor-widget elementor-widget-heading\" data-id=\"5ec81413\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The End of \"Hidden\" Interest: How Mohammad Al Saadi Advocates Challenges Unlawful Bank Charges<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5da5c876 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"5da5c876\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-20b2d5ec e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"20b2d5ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2aaebb4a elementor-widget elementor-widget-text-editor\" data-id=\"2aaebb4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Is your debt growing despite regular payments? In the UAE\u2019s evolving financial landscape, many borrowers discover that their bank has been quietly applying <strong>compound interest<\/strong>\u2014the practice of charging &#8220;interest on interest.&#8221; While banks often present these as automated system calculations, the UAE higher courts have sent a clear message in 2026: <strong>Unlawful interest accrual will not be tolerated.<\/strong><\/p><p>\u0648\u0641\u064a <strong>Mohammad Al Saadi Advocates and Legal Consultants<\/strong>, we specialize in the forensic deconstruction of banking facilities. With over 20+ years of experience in the Dubai Courts, we help clients challenge predatory interest structures and recover overpaid funds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39ccc1ed e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"39ccc1ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4491ad68 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"4491ad68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-502e10a3 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"502e10a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">1. The Federal Supreme Court Precedent: Prohibition of Compound Interest<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4158c20b elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"4158c20b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In a landmark 2025 ruling (reaffirmed in early 2026), the <strong>Federal Supreme Court<\/strong> underscored the strict application of <strong>Federal Decree-Law No. 23\/2022<\/strong>. The court ruled that licensed financial institutions are prohibited from charging interest on accrued interest for both personal and commercial facilities.<\/p><ul><li><strong>The 10\/10 Strategy:<\/strong> If your bank has &#8220;capitalized&#8221; unpaid interest\u2014turning it into new principal to charge more interest\u2014they are in violation of UAE public order. <strong>Mohammad Al Saadi Advocates<\/strong> utilizes court-appointed financial experts to audit your statements, identifying &#8220;interest-on-interest&#8221; loops that the naked eye cannot see.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4229def elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"4229def\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">2. Islamic Banking: The Dubai Court of Cassation\u2019s 2026 Stance<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4975505e elementor-widget elementor-widget-text-editor\" data-id=\"4975505e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A significant development in late 2025 and 2026 involves the <strong>Dubai Court of Cassation (DCC 1660\/2026)<\/strong>, which has reinforced that Islamic financial institutions cannot impose &#8220;late payment interest&#8221; or hidden fees that function as interest, even if labeled as &#8220;compensation.&#8221;<\/p><ul><li><strong>Actionable Insight:<\/strong> If you have a Sharia-compliant Murabaha or Ijara facility and are being hit with &#8220;delay penalties&#8221; that look like interest, your contract may be in breach of statutory principles. We proactively litigate to nullify these charges and adjust the outstanding balance in accordance with the law.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b866e8 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"b866e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">3. Challenging the \"Interest Cap\" and Transparency Failures<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19b5c860 elementor-widget elementor-widget-text-editor\" data-id=\"19b5c860\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Under the <strong>CBUAE Consumer Protection Regulation<\/strong>, banks must provide a <strong>Key Facts Statement (KFS)<\/strong> and an <strong>Annual Percentage Rate (APR)<\/strong> that includes all fees.<\/p><ul><li><strong>Transparency Gaps:<\/strong> If your bank failed to disclose the true cost of borrowing at the outset, or if the total interest charged has exceeded the principal amount (a violation of the &#8220;Interest Cap&#8221; principle in many commercial contexts), you have a strong case for a court-ordered recalculation.<\/li><li><strong>Forensic Audits:<\/strong> Our firm doesn&#8217;t just argue in court; we provide the evidence. We lead the forensic audit process to prove exactly how much a bank has overcharged you over the life of a loan.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2df6ba48 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"2df6ba48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Why Mohammad Al Saadi Advocates and Legal Consultants?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb393e4 elementor-widget elementor-widget-text-editor\" data-id=\"cb393e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With a deep understanding of the <strong>UAE Civil Code<\/strong> and the latest <strong>Central Bank Circulars<\/strong>, our firm has successfully recovered millions in overcharged interest for our clients. We bridge the gap between complex banking math and clear legal justice.<\/p><p><strong>&#8220;A bank\u2019s automated error is not your financial burden. If your statement doesn&#8217;t add up, the law is your greatest asset.&#8221;<\/strong><\/p><p>Is your bank overcharging you? <span style=\"text-decoration: underline;\"><a href=\"https:\/\/alsaadiadvocates.com\/ar\/contact-us\/\"><strong>Contact<\/strong> <\/a><\/span>Mohammad Al Saadi Advocates in <strong>Business Bay<\/strong> for a forensic account review today.<\/p><p>\u00a0<\/p><p>Also Read:<\/p><h5 class=\"entry-title\"><a class=\"tpg-post-link\" href=\"https:\/\/alsaadiadvocates.com\/ar\/the-frozen-account-crisis-litigating-bank-negligence-under-2026-uae-regulations\/\" target=\"_self\" data-id=\"3193\">The \u201cFrozen Account\u201d Crisis: Litigating Bank Negligence Under 2026 UAE Regulations<\/a><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>The End of &#8220;Hidden&#8221; Interest: How Mohammad Al Saadi Advocates Challenges Unlawful Bank Charges Is your debt growing despite regular payments? In the UAE\u2019s evolving financial landscape, many borrowers discover that their bank has been quietly applying compound interest\u2014the practice of charging &#8220;interest on interest.&#8221; While banks often present these as automated system calculations, the UAE higher courts have sent a clear message in 2026: Unlawful interest accrual will not be tolerated. At Mohammad Al Saadi Advocates and Legal Consultants, we specialize in the forensic deconstruction of banking facilities. With over 20+ years of experience in the Dubai Courts, we help clients challenge predatory interest structures and recover overpaid funds. 1. The Federal Supreme Court Precedent: Prohibition of Compound Interest In a landmark 2025 ruling (reaffirmed in early 2026), the Federal Supreme Court underscored the strict application of Federal Decree-Law No. 23\/2022. The court ruled that licensed financial institutions are prohibited from charging interest on accrued interest for both personal and commercial facilities. The 10\/10 Strategy: If your bank has &#8220;capitalized&#8221; unpaid interest\u2014turning it into new principal to charge more interest\u2014they are in violation of UAE public order. Mohammad Al Saadi Advocates utilizes court-appointed financial experts to audit your statements, identifying &#8220;interest-on-interest&#8221; loops that the naked eye cannot see. 2. Islamic Banking: The Dubai Court of Cassation\u2019s 2026 Stance A significant development in late 2025 and 2026 involves the Dubai Court of Cassation (DCC 1660\/2026), which has reinforced that Islamic financial institutions cannot impose &#8220;late payment interest&#8221; or hidden fees that function as interest, even if labeled as &#8220;compensation.&#8221; Actionable Insight: If you have a Sharia-compliant Murabaha or Ijara facility and are being hit with &#8220;delay penalties&#8221; that look like interest, your contract may be in breach of statutory principles. We proactively litigate to nullify these charges and adjust the outstanding balance in accordance with the law. 3. Challenging the &#8220;Interest Cap&#8221; and Transparency Failures Under the CBUAE Consumer Protection Regulation, banks must provide a Key Facts Statement (KFS) and an Annual Percentage Rate (APR) that includes all fees. Transparency Gaps: If your bank failed to disclose the true cost of borrowing at the outset, or if the total interest charged has exceeded the principal amount (a violation of the &#8220;Interest Cap&#8221; principle in many commercial contexts), you have a strong case for a court-ordered recalculation. Forensic Audits: Our firm doesn&#8217;t just argue in court; we provide the evidence. We lead the forensic audit process to prove exactly how much a bank has overcharged you over the life of a loan. Why Mohammad Al Saadi Advocates and Legal Consultants? With a deep understanding of the UAE Civil Code and the latest Central Bank Circulars, our firm has successfully recovered millions in overcharged interest for our clients. We bridge the gap between complex banking math and clear legal justice. &#8220;A bank\u2019s automated error is not your financial burden. If your statement doesn&#8217;t add up, the law is your greatest asset.&#8221; Is your bank overcharging you? Contact Mohammad Al Saadi Advocates in Business Bay for a forensic account review today. \u00a0 Also Read: The \u201cFrozen Account\u201d Crisis: Litigating Bank Negligence Under 2026 UAE Regulations<\/p>","protected":false},"author":1,"featured_media":3205,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[50,7],"tags":[100,146,147,152,128,92,151,150,153,148,149],"class_list":["post-3200","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-commercial-law","category-law-order","tag-alsaadi-advocates","tag-banking-interest-litigation","tag-compound-interest-law-dubai","tag-dubai-court-of-cassation-bank-rulings","tag-dubai-courts","tag-dubai-legal-cases","tag-federal-decree-law-no-23-2022","tag-islamic-finance-late-fees-uae-law","tag-sanadak-interest-disputes","tag-sue-bank-for-overcharging","tag-uae-interest-rate-caps-2026"],"blocksy_meta":[],"rttpg_featured_image_url":{"full":["https:\/\/alsaadiadvocates.com\/wp-content\/uploads\/2026\/05\/360_F_1630322908_YX0SpnSxMOa6YHgpAwFb8IGBhRkzDzco.jpg",641,360,false],"landscape":["https:\/\/alsaadiadvocates.com\/wp-content\/uploads\/2026\/05\/360_F_1630322908_YX0SpnSxMOa6YHgpAwFb8IGBhRkzDzco.jpg",641,360,false],"portraits":["https:\/\/alsaadiadvocates.com\/wp-content\/uploads\/2026\/05\/360_F_1630322908_YX0SpnSxMOa6YHgpAwFb8IGBhRkzDzco.jpg",641,360,false],"thumbnail":["https:\/\/alsaadiadvocates.com\/wp-content\/uploads\/2026\/05\/360_F_1630322908_YX0SpnSxMOa6YHgpAwFb8IGBhRkzDzco-150x150.jpg",150,150,true],"medium":["https:\/\/alsaadiadvocates.com\/wp-content\/uploads\/2026\/05\/360_F_1630322908_YX0SpnSxMOa6YHgpAwFb8IGBhRkzDzco-300x168.jpg",300,168,true],"large":["https:\/\/alsaadiadvocates.com\/wp-content\/uploads\/2026\/05\/360_F_1630322908_YX0SpnSxMOa6YHgpAwFb8IGBhRkzDzco.jpg",641,360,false],"1536x1536":["https:\/\/alsaadiadvocates.com\/wp-content\/uploads\/2026\/05\/360_F_1630322908_YX0SpnSxMOa6YHgpAwFb8IGBhRkzDzco.jpg",641,360,false],"2048x2048":["https:\/\/alsaadiadvocates.com\/wp-content\/uploads\/2026\/05\/360_F_1630322908_YX0SpnSxMOa6YHgpAwFb8IGBhRkzDzco.jpg",641,360,false],"trp-custom-language-flag":["https:\/\/alsaadiadvocates.com\/wp-content\/uploads\/2026\/05\/360_F_1630322908_YX0SpnSxMOa6YHgpAwFb8IGBhRkzDzco-18x10.jpg",18,10,true]},"rttpg_author":{"display_name":"adminalsaadi","author_link":"https:\/\/alsaadiadvocates.com\/ar\/author\/adminalsaadi\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/alsaadiadvocates.com\/ar\/category\/commercial-law\/\" rel=\"category tag\">Commercial Law<\/a> <a href=\"https:\/\/alsaadiadvocates.com\/ar\/category\/law-order\/\" rel=\"category tag\">Law &amp; Order<\/a>","rttpg_excerpt":"The End of &#8220;Hidden&#8221; Interest: How Mohammad Al Saadi Advocates Challenges Unlawful Bank Charges Is your debt growing despite regular payments? In the UAE\u2019s evolving financial landscape, many borrowers discover that their bank has been quietly applying compound interest\u2014the practice of charging &#8220;interest on interest.&#8221; While banks often present these as automated system calculations, the&hellip;","_links":{"self":[{"href":"https:\/\/alsaadiadvocates.com\/ar\/wp-json\/wp\/v2\/posts\/3200","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alsaadiadvocates.com\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alsaadiadvocates.com\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alsaadiadvocates.com\/ar\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alsaadiadvocates.com\/ar\/wp-json\/wp\/v2\/comments?post=3200"}],"version-history":[{"count":3,"href":"https:\/\/alsaadiadvocates.com\/ar\/wp-json\/wp\/v2\/posts\/3200\/revisions"}],"predecessor-version":[{"id":3203,"href":"https:\/\/alsaadiadvocates.com\/ar\/wp-json\/wp\/v2\/posts\/3200\/revisions\/3203"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alsaadiadvocates.com\/ar\/wp-json\/wp\/v2\/media\/3205"}],"wp:attachment":[{"href":"https:\/\/alsaadiadvocates.com\/ar\/wp-json\/wp\/v2\/media?parent=3200"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alsaadiadvocates.com\/ar\/wp-json\/wp\/v2\/categories?post=3200"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alsaadiadvocates.com\/ar\/wp-json\/wp\/v2\/tags?post=3200"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}