I agree with you..I even submitted myself to the bank and has informed them personally that I was terminated and presented the end of employment letter from my previous company that in good faith I will continue to pay my financial obligations and I dont have any intention to leave the country. The only thing I need from them is to allow me transfer my salary and to get my gratuity since I will continue the monthly payment on my personal loan under my new company.It happend that one of the requirements according to them is the so called guarantor aside from the salary transfer letter from my new company.