End of service payments

Hi everyone,

My company has unfortunately made all employees redundant, and like many others, I have a personal loan and monthly commitments to manage.

I'm hearing mixed things about what happens to gratuity payments when you have a loan with a UAE bank. Some people say the bank can freeze or hold the gratuity towards the outstanding balance.

To be honest, that money would be a lifeline while I look for a new job, so I'm trying to understand what to expect.

Has anyone been through this recently? Any advice, experiences, or recommendations would be hugely appreciated.

Thank you.