FNB and Connack Muller & Co. Harassment

A few years ago FNB approved a home loan, personal loan, credit card, overdraft and revolving loan to me which I could not afford on my income. This is reckless lending and when I have fallen into arrears with all these payments I still tried to pay what I could afford. I now get threatening emails from the attorney that they are going to take legal action (summons, judgment and attachment). No matter how I tried to make arrangements with them, even the little that I pay (I cannot afford) is not sufficient (instalment plus extra) and they will not stop harassing me at my work which can cause me to lose my job. I would strongly advise people not to deal with FNB.