Holding the EOSB by the bank in case of a pending loan

I am no longer in the UAE.

I have received the End of Service payment that the bank has blocked.

I have asked the bank to release part of the payment (30%) so that I can support myself and my family, and use the rest for the next 6 payments of the 24 remaining payments of my loan.

I want to continue with normal loan instalments until the loan is fully paid, but they said that they will forward the case to the collection department.

I have always paid my instalments on time and in full, but I have no possibility of paying the outstanding amount.

Is there any formal reason that I cannot continue to pay off the loan when I am outside the country?

Is this not against Sharjah law to deprive someone of means of subsistence by blocking the funds?

Is this not against Sharjah law to put someone in a bad credit situation and thus to deprive his human dignity if he says I want to continue regular payments and has always paid before?