READ YOUR CONTRACT - We Cant Help you

I recently called Absa Bank to please ask if I can do anything so that I can have my car and loan monthly instalment reduced. I explained to the consultant that I have recently lost my dad and my finances have taken a tremendous amount of strain, I have some increased living expenses and would like to speak to the bank in order to have my installements re looked at so that I can pay a lower instalment each month so that my payments do not fall behind. I was grunted at by the consultant assisting me, I was told I signed a contract and must keep to the terms of the contract. They cannot help me. One simple grunt and just like buzz off sorry we can’t assist. I have checked and as per the NCR creditors need to be willing to assist as long as you are willing to pay, my vehicle finance has been paid every month with not one instalment missed and now I ask for a little help, and I am barked at and told to read my contract, I am aware of my contract therefore I called the bank. They advertise they will help you consolidate and help you reach your goals, but they are of no assistance. They just not willing to assist a person at all.