It sounds like since she tendered her resignation her company is worried about her not coming back to Qatar after her vacation. If she does not return and has outstanding bank loans then the company will be asked to pay these out of her remaining salary/gratuity. It would seem that the company does have a vested interest in making sure that she is debt-free before leaving on vacation. I think the moral of the story is not threatening to resign before going on vacation leave (unless you mean it.)