Bad credit management for clients

Direct Axis was hounding me to give me more money for my loan which I ended up taking. Now that I have a bit of a challenge, I call them to make an arrangement and the response is that I must allow my account to go into arrears before an arrangement must be made. I have been in good standing for so long and they are ok for me to just be a defaulter while every other organisation understood the change in my condition and gave me a solution. Since I have been waiting for a manager to call me and even tried to call back, no answers. Do not make a delinquent out of me DirectAxis