Since you didn't provide the police clearance from UAE it make since that your file is pending because IRCC needs to confirm that you haven't committed a serious crime there that would make you inadmissible to Canada permanent residency.
You can pay back your debits by contacting the bank directly and set up a repayment plan. I am actually surprised that you haven't done that already since you say the only reason you couldn't get the pcc is due to the bank debit.
I pretty surprised too that you’re assuming that I didn’t contact the bank before leaving UAE and before coming to Canada until now, it’s just kind of complicated situation
The main reason that I couldn’t get the UAE PCC is because I had a forced deportation from UAE for life, due to my political opinions and ideology, plus my social media political activities, so my whole situation is totally different,
And it’s very weird for my that the officer is asking me to provide PCC from UAE since I had a forced deportation and since I left after a government official permission to leave (Outpass Permit) which’s will never be provided to me in case I’ve committed any crimes,
The situation over all is weird because I’ve shared all the evidence with him since July 2019, but up to date he didn’t yet finished his background check on me!!