When it suits you, what horrible practice

Good day

I am under debt review and have been trying to contact African bank on what discount settlements are available however no way forward as mid call it get cuts

I managed to get hold of someone who said only one account is available for a settlement discount of 20 percent however last year you were offering almost 40 to 50 percent discounts

Why is it when we trying to settle accounts you do this ?

I even said to the person that what's the point of receiving 100 a month for the next I don't know how many years when we could reach a possible solution

African bank really ?