Termination of employment - bank accounts

My final settlement was sent to my Bank. They have put it on hold because I have a personal loan and a car loan until I provide a salary transfer letter from my new employer and a stamped visa page on my passport.

I needed a cash advance so I suggested that I will pay off the balance of my personal loan that they can release the settlement in my account. They refused saying that they can't because of the car loan.

I argued that the car loan is against a guarantee cheque and not against the salary transfer letter from my previous employer. They still refused to release the money.

What are my legal rights? Is there any procedures I can take to get my settlement now as the visa process is taking long and I don't know when I will get it... Please help...

Sincerely, Nawar