Yes you are up for worse here. In Doha banks wont give clearance even for loans you have not taken on your credit card till the minimum period is over while leaving for good. By the way why your new company wont give salary transfer letter? You cant open current account, get cheque book, get credit card without it. Without cheque book you cant rent an apartment directly from the owner and without credit card you cant rent a car. Without salary transfer and apartment contract you cant apply for family visa. Gear up for some hard time, my friend.