This is my suggestion only. You should tell her your house rules. Your housemaid should know your Do's & Dont's. I should say Filipino housemaids are good but there are also some who are hard headed especially with more years of experience working in GCC . Sometimes you can not tell them don't do this and and don't to do that. They are more on comparison with their previous employers. The money which she took from you could be deducted from her salary let's say QAR 200 per month. And for your phone bill you can do the same maybe QAR 100 until she finished the installments. You can lock your IDD access also if you are no in your home.

I understand that the agency who endorsed to you would not accept her anymore since there is a grace period. I feel sorry for my compatriot who did this to you. Sometimes we cannot blame them. Due to poverty back home, could you imagine that these poor housemaids needs to borrow some money to pay for the handling fees with the agency just to find a job overseas they feel self pity.