Worst bank ever

I send an email to *** on the 24th of december regarding my loss of income issue to dz date i hvnt gt any responce .now my credit card n personal loan is in arreas coz no arragement has been made.wh i called in December my acc ws uptodate i ws tld i couldnt b helped ,i should wait fr my account to go in arrreas frst .imagine now m gona hv to pay pay 22 thousand in arreas fr both my personal loan n credit card when i go bk to wrk in april .where am i gona dt dt money from .last tym i spoke to Nthabiseng she said absa life will hv to c dt i dnt receive any salary in my account b4 dey cn help me.now dey've seen des nothing dey dont come back to me only creditors hu tels me of arreas in my account.