I left the UAE with an unpaid loan and credit cards. Can I settle them and come back?

I obtained a loan and also used credit cards from three different banks before leaving Dubai, UAE. The total amount is AED 200,000/-.

Due to unforeseen circumstances, I was unable to make timely repayments and find myself in a challenging financial situation. However, I am now determined to fulfil my financial obligations and settle the outstanding loan amount.

As I am still actively seeking employment, I am unable to pay the full amount in one lump sum. I have approached the bank with a proposal to repay the loan in manageable instalments.

While they have offered a discount, they insist on the full payment rather than accepting my proposed repayment plan. I kindly request your guidance on the best course of action in this situation.

Is there a legal avenue or negotiation strategy that I can pursue to secure a mutually beneficial arrangement with the bank?

I genuinely intend to honour my commitment and repay the loan but require some flexibility considering my current financial circumstances.