african bank refusing to assist me

This morning I called African bank collections department to try and make a payment plan for the month of January ,the lack of understanding from their agent made me wonder what kind of people I am dealing with ..I came forward to ask if it was possible for me to pay only the interest on my account this month ...I am not in anyway trying to not pay but this month will be more then tight for me ...knowing this I thought I could make an arrangement ...she is telling me to call after the 26th of January ...how though. The debit order would already have gone off .all I am asking is for African bank to understand the difficult situation that I am finding myself in only for this month....is that too much to ask