African Bank:You will pay until you die

I regret ever borrowing money from African Bank. The arrears are more than the initial debt. They increase the areas even though you've made arrangements with them and pay the amount youcan afford. They don't renegotiate payment terms. I feel like it's a death sentence because I don't know how I'm going to afford paying these areas and the bank simply doesn't want to do anything to extend the payment terms even though they can see I can't afford the current monthly installments. My advice to anyone seeking to apply for a loan or credit card would be to stay far far away from African Bank. You will regret it.