African bank not for the people

If you don't pay African bank they threaten you with handing you over.But when you call them and try to make arrangements they don't want to accept it and they are rude. I called them and said I can't pay the full amount and I offered them the max amount that I can afford this month they told me nou i am not allowed to pay less.an that they will just debit the full amount at the end of the month.wen i told them there wouldn't be that much in my account the sed then I will just get more behind on my account. I at least tried to make a payment but they don't accept it so what can I do but not pay them at all 🤦