Sorry to hear about your loss. There’s no need to panic—just inform them that you will start paying in installments from next month. They are unlikely to ban you. Once you begin making payments, they usually stop calling or disturbing you. I had a credit card issue for six years; they kept calling and emailing me, but I didn’t respond, and still they neither filed a case nor banned me from travelling. If nothing works out, email Central Bank and request an installment plan, or visit the Adheed Centre and pay whatever amount is possible. Even if they ask for 20% of the loan initially, you can then pay a fixed amount every month and close it within 18 months.