Try having a talk to fleet, you won't be the first to have wanted to transfer your pension fund to pay off a loan.
You won't be the first to mention to fleet that you are thinking about moving on either.
As for the fund I believe it kicks in about 3 months after joining (line check) so 5 years and 3 months you take 75% (approx 83% because of your contribution vs companies contribution) and 7 years and 3 months for the full amount.
Could someone please correct me if I'm wrong on these figures.
As for borrowing money to move into the UAE to pay off a loan, with borrowing fees insurances and exchange rates it's going to be an expensive exercise. Personally I can not borrow money in my home country as I'm not paid in that country, the lending laws are very tight in some places after 2008.
I would be interested to know how you get on.
Good luck, cheers Enos