Outstanding loans in the UAE while the person is not a UAE resident

Hi,

I worked for 13 years in the UAE and I have an excellent record with the bank. The company where I worked shut its operations effective Dec 31, 2019.

I was lucky however to have found a job in Bahrain where I am currently residing. I have a personal loan and an outstanding of about AED 300 000.

With my current salary in Bahrain, I am not able to pay the full monthly installment which currently is about AED 18 000 since my salary in Bahrain is 43% less than that of the UAE's.

I have not defaulted so far, I have kept some money at the bank and I wired an amount from Bahrain, but at the end of this month, I will not be able to pay anymore the full amount.

Is it fine if I pay half of the amount on a monthly basis? If I do this, will the bank still file a case against me?

I have contacted and emailed the bank countless of times to restructure the loan, but since I do not have a UAE resident visa, the bank is rejecting this possibility.

Please could you clarify the legal part of this dilemma?

Thanks!