I lost my job last October 2021 until now I don't...

If you are late on your loan installments for the bank, we should tell you that the bank can use the guarantees that signed by you as a cheque, then the bank will file a complaint at the court against you. Then the court will be able to issue the punishments of jail and paying a fine. In addition to that, there will be an administrative decision taken against you, which is putting your name on the blacklist at all UAE banks. Consequently you will not be able to use the advantage of loans service at the UAE banks for a specific period of time, may be for 4 or 5 years.
Find the UAE Penal Code, in regards of your inquiry:
Article 401
Detention or a fine shall be imposed upon anyone who, in bad faith, gives a draft (cheque) without a sufficient and drawable balance or who, after giving a cheque, withdraws all or part of the balance, making the balance insufficient for settlement of the cheque, or if he orders a drawee not to cash a cheque or makes or signs the cheque in a manner that prevents it from being cashed.
The same penalty shall apply to anyone who endorses a cheque in favor of another or gives him a bearer draft, knowing that there is no sufficient balance to honor the cheque or that it is not drawable.