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Resolve your financial or insurance disputes in the UAE — fast, professional, and expert support

Meet the team

Helping people reclaim their Cases

97

Of the Cases that we handled are successful

350

Case we have managed

16

We deliver so much more than the competition

If you’re facing a disagreement with

a bank, lender, or insurance company in the UAE, you don’t have to navigate it alone. Our dedicated team specialises in guiding you through the process of lodging a complaint via Sanadak — the independent financial & insurance dispute-resolution platform established under the Central Bank of the UAE.

Clear Guidance from Start to Finish

Walk you through initial eligibility, required documentation, and how to submit your complaint.

Maximise your Chances of Success

Disputes with financial institutions and insurers have specific rules. We ensure your case is well-prepared and aligned with Sanadak’s criteria.

One-stop Dispute Support

From banks and lenders to insurance companies, we cover a wide range of complaint types.

Transparency

We give you clarity on steps, timelines, possible outcomes and what to expect.

3 Easy Steps
1

Free Initial Review

Tell us your issue (bank account, loan, credit card, insurance claim, etc.). We assess whether your case qualifies under Sanadak’s remit.
2

Prepare & Submit

We help compile all required documents, draft your submission, liaise with the bank/insurer and submit the case via Sanadak.
3

Track & follow-up

Once submitted, we support you through the decision-making process and help with escalation to the appeal committee if needed.

Trusted For

Car Insurance Disputes Health Insurance Disputes Property Insurance Disputes Claim rejection or underpayment Personal loans Disputes Credit cards Disputes Unauthorized transactions Disputes

🧭 Why working through a specialist matters

The platform Sanadak has been designed to streamline access to dispute resolution. But working alone means you risk missing steps, documentation, or processes that could impact your outcome. By engaging experts like us, you boost your chances of success and reduce the burden on yourself.

📂 What types of disputes we cover

Financial Institutions

Insurance Companies

Both Initial Complaints and Escalations to Appeal Committees when Required.

Frequently asked questions

What is Sanadak and what does it do?

Sanadak is an independent ombudsman-type body in the UAE that resolves consumer complaints against licensed financial institutions (LFIs) and insurance companies.
It handles cases where the internal resolution by the bank/insurer has not succeeded.

Who can file a complaint with Sanadak?

  • Individual consumers (natural persons)

  • Sole proprietors or SMEs in many cases.

  • The complaint should be about a licensed financial institution or an insurance company.

What types of issues can I bring to Sanadak?

Complaints about financial services (bank accounts, credit cards, loans) and insurance services (health, vehicle, property, life insurance) are within scope.


It’s intended for services/products from institutions licensed by the Central Bank of the UAE.

What are the eligibility criteria / conditions for filing?

  • Your complaint should not already be handled by a court.

  • You must have given the institution (bank or insurer) a chance to resolve it internally first.

  • You should submit within the allowed timeframe (see next Q).

  • You must provide all required supporting documentation, evidence.

  • For insurance disputes: must meet jurisdiction (e.g., not already subject to arbitration).

What is the deadline / time-limit for submitting a complaint?

You may file a complaint up to 3 years from the date of the conduct that caused the complaint, or up to 2 years from when you became aware of it — whichever is longer. 
Note: Specific rules/exceptions may apply.

Is there a fee to submit a complaint?

  • Filing an initial complaint with Sanadak is free for consumers/SMEs.

  • However, if you appeal the decision, there is an appeal fee (refundable if you win).

What is the resolution process & time-frame?

  • Once submitted, Sanadak reviews eligibility, may ask for additional documents, reviews both sides and issues a decision (upheld, partially upheld, or rejected) in writing.

  • Typical timelines: acknowledgment within ~3 business days; initial response within ~up to 15 calendar days; other steps follow.

  • After a decision, if no objection is raised within a set time, the case is closed.

What if I’m not satisfied with the decision?

You may escalate/appeal the decision to a dedicated committee (e.g., Appeals Committee or Insurance Dispute Resolution Committee) via Sanadak. A fee applies (refundable if the appeal is decided in your favour).

Can I go to court instead of using Sanadak?

  • For complaints against insurance companies: you generally must go through Sanadak before the court.

  • For some financial institution complaints, the court may be an alternative, but using Sanadak may be faster/cheaper.

What happens if the complaint is withdrawn?

You can withdraw your complaint at any time by giving a formal written notice to Sanadak. Sanadak then tells the institution within 5 business days.

What are reasons a complaint might be rejected or dismissed?

  • If you didn’t allow the institution time to respond first.

  • If a court is already dealing with the dispute.

  • If it’s essentially the same complaint already filed.

  • If the institution is not within Sanadak’s jurisdiction (not licensed, etc).

How can I submit a complaint and track it?

    • Use Sanadak’s website or mobile app.

    • They also provide support via phone for people of determination or the elderly.

    • You will be notified via email/SMS, and you can track the status online.