Uae credit card and bank loan

SIR, I have been working in UAE during the time i took and use mashriq bank credit cards when i came back i paid half of the amount in the credit cards both limit was 3000/ each means 3000/ i paid so total 3000/- dhs only balance in both cards..Other two banks loan 9000 and 10000 each also i paid around 3000 for 9000 loan and around 4000 paid 10000 loan ... now i came to the matter in 2009 i came to india and could not go back to uae... because of personal matter my mother hospitalized and and it took 4 month for recovery by that time collecetion agency from this three banks called and told me i was blacklisted cannot go back so pay the full amount other wise problem... so and so they threatens.. but i could not pay any cash to this loans .... in 2016 because of lot of calls i decided to settle one loan in the credit card they give a settlement of 4500 for both cards and give a time to pay but i could pay 3500/ - only and after i tried to contact this collection agency for further action they did not take phone and not give any positive reply now they again asking to pay the full amount .... how can i settle this problem permanently with out collection agency..? please give advice....