Poor service for a client trying to reschedule loan payment.

I have been struggling to make make a reschedule on my loan for 3months now.i was on maternity leave and when I came back to work my affordability has changed drastically and I have tried to reschedule for months but I keep finding myself with no luck and I'm expected to pay more to cover the arrears while I can't afford the installment.I am now about to face legal actions while I have tried to reschedule to avoid such.This is poor service and I am disappointed