First, it is better for you and the bank to work a method which is acceptable to both parties so that the loan could be settled. You can tell them of your financial situation such as your income and your savings and how much you could pay them monthly. Second, I do not believe the bank in the UAE would be able to do anything in the political situation between Qatar and the UAE. Possibly, it may just be a hollow threat. But I am not sure of this. Wait for other QLers for their comments who may be having more information than I do on this matter. Just overlook any comment posted by one Molten Metal if its gets posted at all.