African bank refused to make payment arrangements and have an agreement in writing with me944

I have a loan and credit card debt with African bank which I pay when I am working and don't pay when I'm not employed. I always call and make these arrangements because I always get contract employment. So the last time I paid them was end of 2019, in 2020 I did not work so I couldn't pay. Now I am being offered employment in the financial industry which requires me to pay all my debts or have an arrangement in place, I approached African bank to make an arrangement that from the first month of my employment I will pay and they refuse to make an arrangement with me. And I won't be employed if I don't have an arrangement with them, so how does African bank expect me to pay them if I'm unemployed??