ABSA Payment Relieve with terms and conditions

Asked ABSA for payment relief as I have not received a salary since May 2020. I was given a payment holiday in April, May, and June. I then called and ask for further assistance, I was given 50%, 60%, and the 70% payment structure which I gladly paid. So I emailed them in October with NO reply, I then finally got hold of someone in November. Today ABSA calls me and informs me that they can provide me with assistance but I need to understand that I will be blacklisted as a high-risk client as I am not paying???? I paid the 50,60 and 70 % you are offering me a restructuring payment, not non-payment and yet I need to understand that I will be blacklisted. How does that even make sense??? I did not ask for Covid and I can understand if I did not pay, but i am paying!! so how can i be seen as a non-payer?