Direct Axis advises to act **********ly

I am very close to applying for Debt Review, but trying to avert it at all cost. I made contact with Direct Axis in order to reschedule my loan. The phone operator told me that I cannot reschedule unless I am in arrears. The conversation continued and she basically instructed me to go into arrears as this is the only way of getting my loan rescheduled. According to my knowledge this constitutes ***** and me being listed at SAFPS. Direct Axis telling me to change my bank account details where my salary is deposited in order to go into arrears. Can I ask on this platform to do it the right way? I want to reschedule my loan or else I need to apply for debt review. Or we can go the Direct Axis way and forcefully let my loan go into arrears. Will first have to inform the SAFPS though.