No leeway on Vehicle Asset Finance

I recently bought a new car, without ever anticipating the situation I would be in today. I called the Vehicle finance department today to explain that my situation has changed. I have unfortunately had to major financial and medical set backs with my children and the sudden death of family members.I am a single Mother, so there is no second salary to rely on. I asked ABSA to give me a grace period to try and get back on my feet and then still pay back my car repayments each month but at a reduced payment. I was told that this was not possible and that the best that the bank can do is give me a reduction in my monthly repayments. However, if I went this route that it would effect me with the credit bureau and be black listed with the ITC. Considering that I was very honest with the bank, I feel that a little bit more leeway could be given. I'm not saying that I am not going to pay, I am just asking for a little bit of help. All the other banks in South Africa offer the opportunity to take a payment break. I find it hard to believe that ABSA does not offer this.