Inability to work claim

I app**** for a inability to work claim from Capitec on my loan repayments due to cancer diagnosis - every excuse was used on why I didn’t qualify - from I wasn’t paying the insurance (which I was) to then they said I was employed (which I proved I wasn’t) to I didn’t fall into their T and Cs (which I pulled and showed them I do) after endless stress on top of my circumstances I had to deal with. Every 6 months I had to apply again and again telling me the next time they will review for permanent cover, September 2022 I was told to reapply - I only managed to get it done in December 2022 as it’s a 8 page form that they need the doctor to fill in at a government hospital this is very difficult as they do not have time, needless to say I eventually got it done- submitted it and they kept asking for a letter of employment (I am unemployed stated and proved many times) I have sent countless emails asking for feedback with no response- I received money from a friend for my daughters school tour was paid on Thursday and Capitec decided to take it and refuse to pay it back - I have been in branch phoned, emailed and no assistance, I haven’t received any smses stating my loan was due and they just take it - this money needs to be refunded and my claim needs to be sorted out 6 months no assistance- I am beyond frustrated as even when I had cover and my dad sent me money for groceries they just took it - ooh and I must wait 5-7 days for reversal. I have to go hospital every month for meds and check ups, I have to have implants put in my tummy every 12 weeks, I have 2 mager surgeries still this year - How must I work? Who will employ me?