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It is better to take your attention to the account statements to review banking operations in your account on a regular basis but if you not answer or objected to this statement, it doesn’t mean an admission of tacitly approving the validity of this statement and the provisions of the cassation Court in this regard in cassation case No. 1994 / 9 (cassation rights) that (just that the client does not object to the league account that sends it to the bank is not a mere tacit acknowledgment of the validity of the client what is listed as data and final settlement of the account) revealed.

We recommend to file a lawsuit at the Court to appoint financial expert to review the fees and fines, and the benefits in the account statements and to remove the interest and fee which not agreed before and then the expert will review the application for a credit card and review account statements and the exclusion of any expenses or non-agreed fee and then the expert will submit his report to the Court and in the case the expert says the bank statement is wrong you can force the bank execute with the expert report and the court issue the judgment as per the expert report.

Firstly, we must know if there’s authorized letter issued by you to the bank in order to be able to sell and buy the stock or not? In case there’s no authorization, then the Bank shall be responsible for the amounts which is deducted from your account and the bank must refund the money back to you – and in case there’s authorization letter issued by you, you have not to claim the bank with any claims and rights because the nature of investment portfolio is subject to change in the value of either increasing or decreasing, based on the stock price time of sale because the bank in this case will be as a proxy for the process and costly implementation of customer orders - but you must get from the bank the receipts function on the sale of these shares with this value and in the case they refused to give you that - we recommend to file a lawsuit against them.

We recommend to file a lawsuit Court to appoint a financial expert to review any fees and fines, and reviewing account statements and to remove non-agreed interest and then the expert will review the application of credit card and in the case the expert found that no agreed on bank interest it will be calculated on the percentage of not more than 12% annually and the expert after that will remove the non-agreed interest.

The deposit in the principle is a  contract which is  the customer delegate the bank to – own deposited  money with the ownership of the bank in accordance with the activity and its commitment to refund it back when the customer asked according to the terms agreed and in this case is considered a loan in advance from the client in favor of the bank, which entails to be a creditor of the bank in the amount of depository in addition to the requirement of Interest for the agreed date of filing until the date of termination or expiration of depository - and may be clearing between religion, which is the depositor - we are seeing  that the procedures of the bank is correct  because as a result of refusing to pay the installments due to car loan.

we recommended to submit at the court  the proof that you paid the full loan except  the five installments, and prove to the court as well  that this check as a security check related to this loan, and ask the court to appoint an expert to prove that this check is security check and the bank is not entitled to demand me with full amount and the expert will make a report to prove the total value of the loan and the total premiums which is paid by you and he will deduct the payments from   the value of the check and then ask the court to confirm the final conclusion of the expert report and the bank cannot to claim me with the total amount of the cheque except the five installment which you didn’t pay.

We believe that the bank is responsible for the failure to collect the value of two credit letter  and the purchasing company is also responsible for the price of goods which you sold her - therefore we recommend to file a lawsuit against the bank and the company jointly  to obligate them  to pay the value of the goods because the bank is responsible for the failure to collect the value of goods from the company as the Bank's commitment to the issue of the letter of credit - in the letter of credit is irrevocable – and it is the final commitment and become independent of the sales contract - so they are responsible with the company jointly responsible to pay the value of goods which is requires to put the bank  in the lawsuit.

We recommend to file a lawsuit against the Bank to claim them with the amount of the check which is deducted from your account because he is responsible for draw the cheaque , and you can obligate the bank to submit the original cheaque to the court and then the court will decide to refer this check criminal laboratory to match the signature and in the case if it comes forensic Laboratory report proved that this check is fake then it takes place responsibility on the bank to pay amount Based on article 636 of commercial transactions, which states (law bears the drawer alone the damage of  resulting from the fulfillment of an imminent forges the signature of the drawer or misrepresented statements contained in the board)

We recommend to file a lawsuit against the bank and against your partner jointly to pay the amount which is deducted before without your knowledge, and you can obligate the bank to submit the original  power of attorney to the court and then the court will decide to refer this power of attorney for criminal laboratory to match the signature and  in case the forensic Laboratory report proved that this power of attorney is fake, then the responsibility will be on the bank to pay the amount because the bank did not take the side of caution and prudence and didn’t verify the power of attorney, and then it cannot forcing you, including results from taking this power of attorney on the part of the bank, as long as you cannot fault attributed to him, including the crisis of load bank liability skew his followers, and this liability is one of the dangers of the profession practiced by the Bank, which is an important risk amounted burdens does not fit at all with the advantages that accrue to the banks of strengthening confidence and broadcast the spirit of confidence among the dealers.

These terms and conditions contained financing contracts, you have to read and understood well before you sign because they mostly be in favor of the bank because it is full of commitments issued by the customer who signs and it may includes some of the mandates under which the Bank delegated to take action on your behalf and some may includes other consent that the agreed interest rate may change in the future and it may also includes fees and expenses, so we recommend to read these Terms and Conditions carefully before signing.

We recommend to go to the police station to open a complain  and ask the police officer   to have statement of account and the location which is used to draw these amount and then you must ask the police officer to send a letter to the other bank in order they can provide him with the tape of CCTV in the machine and you must file a lawsuit against the bank and you can claim him to pay these amounts because they are responsible for that because they allowed to use this card and allow to exceeded the maximum limit for the withdrawal and because it suppose the bank must tell you that to investigate about these withdrawals, or at least stop the card and therefore the bank didn’t take side caution and prudence and did not verify the validity of these withdrawals especially since they allowed for the person who used the card to  exceed the maximum limit for the withdrawal and here are the responsibility of the bank.

We recommend to file a complaint at Central Bank and on the other hand we recommend to file a lawsuit against the bank for getting these checks back to you - and you must submit the payments of the full car loan - and most the court will appoint an expert to review a car loan and reviewing statements  and Checking Your payment for the full value of  loan - and then the expert will submit his report to court and he will end up to proof that You paid the full car loan  and non-eligibility of the bank to use these checks and he will obligate the bank to return it to you again.

We recommend you to file a lawsuit against the bank and against the contractor jointly to pay the value of the letter of guarantee and submit to  the court the evidence that you paid to the   full dues and prove that the contractor has breached the terms and delayed to execute  the work and he didn’t execute the works as per the specifications and the Court will appoint an expert to verify  these facts and then the expert will prove that you paid the full dues of contractor and the contractor has delayed to execute the work and breached his contractual obligations  and you have a right to claim with the value of the letter of guarantee and he will obligate the bank and the contractor jointly to pay the value of the letter of guarantee.

We advise you to request from court to appoint a banking expert to review the 14 documentary credit and review the application   and the conditions and ask the expert to prove that these credits was by Murabaha and after that the expert will review bank statements and the interest rate agreed, which is the profit and in case he found no agreed interest he will calculate interest in the market price at the same time and if there is an agreed interest (which is profit) the expert will match that with bank statements and also you have to ask the expert to prove that the bank didn’t give you the origins of documentary credits and without that you  cannot to receive the goods and they cannot calculate to your  indebtedness , which is a critical issue in the case - as the Murabaha contract is sale price of buying the goods with  increase in profit learned attributed to the total price, and is required for Murabaha procedures and it’s conditional to be Murabaha correct it should be the goods are owned by the seller so that he could dispose of it and the first price must to know that for the seller  and want to sell it, but if he had owned by non-sale the seller should to tell the real price as per his estimation when it is sold, and is added to the price of  the expenses to the extent that it has an impact in its description, and it’s correct  to be the price for a total amount including the original price with profit added without their break or both of them is indicated separately finally required for Murabaha with non-union  between the type and the sale price, because Islamic banks do not have what others want to buy them, so they making a  promise of buying in the first step until you buy this item, after that the purchaser owned it and Murabaha contract it will be correct if the bank added to the price you bought it Sales profit and the actual cost incurred by open a letter of credit – and it means the bank does not get the interest of this type of sales.

First, we would like to make it clear that the bank can file a claim against you at any time and mostly he can file a counter  through your case and will take  the expert report as a proof in this case - but you have to submit your objections to the Court on the expert's report, and you must explain that the expert did not review the calculating way  of interest Because it is the subject of your case and the court will decide to refer the case again to  expert in order to review your objections and If the expert found the interest has been calculated as per compound interest  the he will amend it  and it will be calculated on the basis of interest which you agreed before but if expert found it’s not compound interest he will confirm the original report – and according to your claim that the indebtedness exceeded the principle of the loan - this is legally  - whereas there’s  not in the law that prevents banks for interest due on the loan agreement, which give to their clients, even more than the original loan amount.

I recommend to reschedule the remaining installments with the bank and If they refused, you must attend a sales hearing and the court will appoint an expert to estimate the value of the car - and then the court will take the procedures of  selling and the bank will get the value of the premium due from the sale price, and in case there’s a  remaining amount , you should ask the court for refund it to you - but if you're doubt about the calculation of delay penalties and interest we recommend file a lawsuit to appoint expert to review your car loan and interest agreed and of delay penalties and if the expert found that there is a difference in the total amounts you can ask Court to stop the sale proceedings and provide them with the expert's report to be calculated according to the amounts stated in the expert's report.

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