ARRANGEMENT TO PAY AFRICAN BANK NOT GRANTED

I have called African Bank this morning requesting to pay the same instalments I paid last month. I was told that I cannot pay less that 50% of my debt. When I don't pay at all the call centre agents will be calling asking me to pay atleast something on my account, now I am making arrangement to pay something. Lerato Molekwa who claims to be a supervisor on the floor is refusing to make an arrangement. I have previously written to African Bank stating why I could not pay my account and I was told that I should call every month and make payment arrangement. Now Lerato needs me to forward all the emails that I communicated to African bank. Ingrid her surbodinate also whom I spoke to should be trained properly, you cannot refuse to make an arrangement with a client. I am very disgusted. As much as I know I am at fault but African Bank played a role in my overdebtness. Hope this is resolved.