NO RESPONSE FROM CAPFIN

HI THERE I HAVE TAKEN A LOAN IN JANUARY THIS YEAR AND HAVE CALLED A FEW TIMES TO REQUES THAT MY PAYMENT BE REDUCED PM AS I WAS STRUGGLING TO MAKE PAYMENT. NO RESPONSES FROM ANYONE TO HELP.SO I STOPPED MY PAYMENT TO BE ABLE TO MAKE IT & LATTER RECIEVED A MESSAGE THAT I MUST CONTACT THEM BEFORE THEY HAND ME OVER. I EMAILED I CALLED AND TO THIS DAY NO ONE HAS CALLED ME BACK SO I CAN MAKE PAYMENT ARRANGEMENTS BUT THEY HAVE HANDED ME TO DEBT COLLECTORS. I CALLED THERE NO RESPONSE NO CALLBACK I CALLED CAPFIN NO RESPONSE NO FEEDBACK ON HOW TO SETTLE THIS ACCOUNT.I AM NOT GOING TO PAY LAWYERS FOR CAPFIN NO RESPONSES OR THE LAWYERS.THIS IS SUCH BAD SERVICE I KNOW I HAVE BEEN A BAD PAYER BUT I HAVE TRIED making payment arrangements and no response. What do I do? I have been blacklisted now but CAPFIN is refusing to take responsibility due to THEIR INCOMPENTANCE. PLEASE HELP AS I AM TIRED OF BEING TOSSED TO AND FRO BY INCOMPENTANCE AND I HAVE TO BE AT THE BAD END OF THIS ALL.