Help your Customers Please!

I have been an African Bank clients since 2011, not because I have a bad credit record, but because I received such great service in the beginning.<br> <br> My financial situation is taking a lot of strain because I have more responsibilities now than when I took out the loans, so I have tried to restructure my loans with African Bank for the last year now, and all they can offer me is additional loans, but can't restructure/consolidate my current debt with them.<br> <br> My basic salary is R 8 500.00 pm, and I am currently paying African Bank R 5 334.36 per month.<br> <br> If you restructure my current loans repayment you make more money out of me because you get interest over a longer period, and I will have more cash flow.<br> <br> The call centre / collections department who I called only gives me two options: Option 1 is to repay the loans as soon as possible (impossible for me to do on my current earnings), and option 2 is to go under debt review (that will make it impossible for me to get approved when I have to rent a apartment, or look for a new job)<br> <br> This cannot be the only two options you offer your customers, and I don't want to fall into arrears, so please help me!