African bank settlement discount

Mid October 2017 I received an SMS from African Bank. In the SMS I was offered a 60% settlement discount on my loan. Due to financial constraints I called and requested the discount to be extended to end November. A consulted promised to assist in this regard. When November came I called the bank again to confirm and make a payment. To my surprise I was told the discount had expired and I don't qualify. Apparently the discount I had is decided by a computer and not a person. I made all the fuss to arrange money to settle the account but now I am back to square one. After numerous calls I still have no joy. I am glad I never paid the money and found out later that I don't qualify. The bank made me feel like they don't want the account settled. Since I don't earn a stable income we are both domed.