Frustrated

I app**** for a consolidation loan with Capitec, and was under the impression that my cash-flow will improve. If anything, I'm in the worst financial state ever. I tried to request extension of my payment term last month. The lady told me to try after my second installment, as this was a new account. I did as she advised and called again...only to be told to wait another 2 months. It looks like I'm stuck with this very high installment I can't afford. All I wanted was a re-look at my installment as I do not want to default on my payments. Sad indeed