African Bank, just sucks.

I have spoken to a collections consultant now who just sits and thinks I am talking a lot. I pay my account every month, I have for the past year yet African Bank Collections Manager/Team Leader who I have asked to call me refuses to call me. I have continuously asked for a long term lesser installment which the consultants says its not possible, so if the team leader or manager cannot help me, I will contact the NCR to perhaps assist me in getting African Bank to pay attention to my request. Because you guys are quick to negatively list on ITC but you wont assist clients with lesser installments especially since your interest rate is so outrageously high, you want to keep people in debt.