African bank agent rude!!!

I have a loan with them and have been unemployed since May. They contact me every day, at least 4-5 times a day telling me how much I'm overdue and asking when I make payment. I keep telling them I'm unemployed and can't make any pay, they keep asking if I can't make at least a R50, or R100 payment! HOW? I'M UMEMPLOYED WITH NO UIF! How stupid to ask such a question when a customer has just told you that they have NO income! Today's call the agent that contacted me was so rude and kept arguing with me! It's really upsetting, I'm already under stress not having any income and then keeping these calls about money owed. I know I owe money but there is nothing I can do about it until I'm employed again and earning a income. I'm not running away from my payments I just can't make them. And to phone clients so many times a day and tell them the same things is frustrating, no wonder people stop answering their phones after a time as you keep having to repeat yourself with the same story to every agent that phones you! Really a majority of South Africans are going through financial strain at the moment and can't afford to make payments.