Assistance with loan settlement

The consultant I spoke to dropped the phone while we were still talking. He advised me to pay R90 000 and make a payment arrangement for the remainder. My arguement was, how can I make the payment arrangement when i do not know when I will secure a permanent job and afford the instalment. I told him, I would rather use the R90 000 for something else then as I will be blacklisted either way regardless of my balance and the growing interest and charges monthly. I am really not happy with how I was treated and the fact that African bank would rather loose the R90 000 I was willing to pay and blacklist me instead of agreeing on a mutual settlement. For someone who has been a client for a long time this is really an insult and when I recover and have a job I would rather seek help somewhere else than African bank