Assistance turned down

I am extremely dissapointed at Capitec bank-I called in this morning to request arrangements to extend my loan for a few months so that I able to pay back the normal installment monthly-I have had some financial difficulties and on top of that am currently on unpaid Maternity leave,currently the loan is overdue by a large amount which extremely impossible for me to get up to date unless the loan is extended,basically what Capitec is saying is that I will always be in arrears meaning this loan is not going to be possible to be paid up-I have requested for assistance because I have no other option to get out of this very messy situation .

I do understand that I exhausted the three times allowed to extend the loan however as advised i have been going through major financial distress and on top of that have a baby that I need to see to - I seek some sort of assistance so that I can pay up this loan i am not asking for no discount however just to extend the loan further And allowing me to pay the normal instalment monthly till its paid up-increasing the arrears is not assisting in any way whatsoever instead making the situation way worse than it already is

Please assist urgently