Yes you can return back to qatar. Bank cannot blacklist you in immigration but they can charge a criminal case. They will charge it as cheating case by depositing your security cheque and if judgement is there it can be 3 months to 3 years. If Judgement is there they will arrest you from airport during entry to qatar and re open your case next day in court because of Judgement in your absence they will give you bail by paying 1000 riyal or something like that. In the meantime you can reschedule your loan in the bank by submitting new employment and salary details . Once it rescheduled they will withdraw the case and everything will be normal. If not then you have to face the prison period according the judgement. But after the completion of prison you can work any where. They will recover the loan from insurance by your completion document of prison period. Thats it. First of all understand bank is just a company they will file case only in court and they can do only by your cheques. They dont have any authority to blacklist you. You can check your status by your friends in any police station by your qatar id that you have any judgement or not. If yes ask them to cheque your bail amount and make ready . Fly and pay bail . Go out and fix in bank by reschedule and withdraw the case. But impprtant thing if you have run away case or abscond case filed by sponsor then dont think to come qatar you will fedup in jail. I have very good experience in your case