Can the bank hold my EOSB and last salary against my credit cards and loan?

I changed my job and received my EOSB from my previous employer, however, my bank is holding this amount.

Unfortunately, my previous employer didn’t separate my final salary and gratuity as the details on my transaction state EOSB. I found out that this shouldn't be the case and understood that the Employer is responsible to separate this.

Is there a way I can get the salary amount to my disposal and the bank keeps the rest against my outstanding credit cards & loan?

Please note that I have not missed any payments against my outstanding I have provided the bank with my new visa, salary certificate, Emirates ID as requested.

Still, I have been told they will not release my EOSB. I have already received a new employment salary on the same account. I would be grateful for your advice.