Turned away

Hi,<br> <br> Last month I visited a walk in branch in Midrand. I asked how do you go about reducing your monthly instalments as its a bit high for me right. <br> <br> The lady explained to me that my name will be blacklisted as a payer that cannot afford the full instalment. I was then requested to do a motivation letter which will take 14 days for them to respond.<br> <br> When she told me that my name will be listed on the credit bureau, which I don't want to happen. I left.<br> <br> All I am asking is to reduce my instalments as its too high for me, I am not saying I don't want to pay my monthly instalments which I have never defaulted. I cannot manage to pay the full amount, as there are some expenses that has come up and with this high debit order I cannot manage through the month.<br> <br> Please can someone help!!!!