Debiting after arrangement

Good Day,<br> <br> I have asked last month if it were possible to institute a payment arrangement onto my account as I am in a bit of a bind. The lady said that you do not make arrangements. That you expect the instalment and another half to be paid. I do understand that I have a contract with you. All I would like to know is to avoid me not paying at all, and changing banking details for example that I please be allowed to make an arrangement until I am stable. I do not want to miss a payment, but at the moment I am not able to keep up.<br> <br> Please contact me as your call centre staff is not very understanding.