Not assisting with rescheduling

<p>My financial situation has changed along with my affordibility, so I can no longer pay the installment on my loan. I called collections and asked them if it could be done over the phone and they are not willing to help without proof so I took in the proof to the Baywest Branch and he called them and they said the same thing. So is this just a ploy to not help me? Its my payday tomorrow and I am going to reverse the payment until this issue is resolved. I know of anothe Capitec customer that was assisted telephonically yet when I ask for the same service, I am told I have to produce proof. And when I produce the proof, I am told it is not valid!!! This is utter bull****. But I guess I have to prove a point, to get some service. I am not saying that I cannot pay the loan but I need the amount to be reduced!!!!! Why is this so ****ing difficult to understand?</p>