GOOD IDEA ....

Alumnar is correct try to change the due to your son's name.Now a days u pay r not the bank is keeping the minus account regularly in our balance along with the penalty ,late payment and including service charges.they dont take any action.but keep it in ur mind once it grow to a huge amount they may track u through ur passport number and where u reside at that time and demand u to clear the balance r else they may bring u back to qatar legally as u have cheated the bank....always people say luck knocks the door only once in our life ..that is also when we r very bc in the toilet....but misfortune always around our house to enter from any side at any time.
so better work for another few years to finish ur loan r think for some alternative to pay it sincerely...it will b good for u and for ur future .u will b on ur safer side..all the best.