Disappointed again trying to solve one problem

Capitec bank has given me more reasons to be disappointed yet again and again and again. I have been communicating with them about my loan payments they keep calling me and pretend they can help but nope they cannot help most of their clients during this time...I ask several times for some relief time for my loan payments since I cannot work and they keep telling me to send a letter from my employer and pay slip...I sent it and yet again they tell me they can't help me then why waste clients time? I told them I can afford R200 untill I can go back to work. Today they listed me as a bad payer....after sending sms of telling me to call them so we can fix this just yesterday I spoke to them about this all they have is "sorry about your situation". Clearly capitec when it comes to crisis they can not help their clients..they can only be with us in good times...for the future one will consider putting their money with banks they can relay on even if they are abit costly because wow. All they can offer you is apologies and comfort words bit no help at all...