False advertising

May 2016 I was unfairly dismissed from my employ. I only recenly found employment. As I have a credit card and a personal loan with African bank I had to make arrangements to repay the debt. Upon investigation I found that I did take out a policy to cover the amount should disaster strike. I took this up with African bank and the Ombudsman and was told the policy only covers you should you be retrenched. Very extremely unfair and FALSE ADVERTISING!!!! and this I was not told when I took out the policy at extra cost(which they still charge me for). In my status as unemployed with no income my 80year old mother whom lives off a tight budget gave me R300.00 p.m - R100.00 for the cr. card and R200.00 for the personal loan. This did not even cover the interest. I phoned and spoke to a consultant (as you can never get hold of a manager) and pleading with her to ask a manager to please help me by either writing off the interest or even reduce the interest as I cannot afford to pay more. Nobody ever came back to me. A loan of R60 000.00 has now escalated to R100 00.00 due to interest. I have now recently found employment but at the age of 58 will not be able to repay this amount in my lifetime as I also have other creditors on my back and I also have to live. I have emailed the ombudsman on several occassions and am still awaiting reply. My debt is growing daily and I know I cant manage to repay this. I need help. I also had an extremely bad car accident in December which left me despite everything else with one and a half lungs. I really want to repay my debt but honestly feel African bank can assist by writing off interest and giving me an affordable amount to repay to reduce the capital. I did take out,in good faith; a policy to cover me in circumstances like this only to find out it doesn't cover circumstances like this. Please can a Snr person from African bank contact me in order to settle this matter as their consultants are extremely rude and not helpfull at all.