Dont owe Capitec Money

We were retrenched in February 2019. We continued to pay the Capitec loans until we could no longer afford to. We then went to a branch to discuss making arrangements. They couldn't help us and they then phoned one of their centres to make arrangements to reduce the payments but only for a period of 3 months. We would then need to review the arrangement. The agent was informed that we had no income but would make payments on the accounts as and when we could. Today we were informed by Capitec that we paid the arranged amount four days late and therefore the arrangement was no longer valid and they cannot make another arrangement. But Capitec not only took the agreed repayment amount, they took the rest of the UIF money that was paid into the account which amounted to almost double the agreement. We are trying our best to keep paying the loans until we are again receiving account but we are now threatened with legal action and a refusal to allow for any arrangements. I really believed in this bank for the last 15 years that I have been a customer because of their great service but now there is none of that. We welcome the legal action that we are being threatened with and we will happily repeat to any judge the happenings over the last 6 weeks.