Out of Options with ABSA Bank

I am very shocked at how absa has been treating me to a point where I feel I need to take them to credit Ombudsman. I have a personal loan with Absa bank, which at the moment I am battling to keep up with an instalment. In November 2016 my husband lost his job and I contacted all my credit providers requesting to restructure all my payments with them foreseeing that I will have problems in meeting my financial obligations. Absa was one of the credit providers I contacted and they declined my application because apparently I did not qualify for a restructure due to affordability??? to my surprise that is the main reason I requested a restructure! Affordability.

Fast forward in January things started getting worse with my finances, I contacted Absa again, my application was once again declined , due to affordability, from February I could not keep up with installments, now the arrears kept escalating to a point where they are now debiting my account every month even after talking to them and making an arrangement over the phone.

In June, I app**** again for a restructure and again my application was turned down. What is more painful in this whole situation is that whenever there is an arrangement made, my account gets debited before I can even make payment. Absa will debit my account my whole salary. I have tried to communicate with Absa, they are now abusing me with debit orders, some months my account will be debited twice and I am left with nothing and now forced to reverse the full amount, then I incur charges in my bank account, other debit orders bouncing creating a mess of my account and this is abuse!

I have run out of options with Absa, The abuse that I am now getting. I have run out of options on how to approach this as the truth is I can no longer afford the installment on my personal loan but I did not run away, I have tried to communicate my problem with them without any success.