Lack of communication and help

I have been trying for a month to get a payment break, countless phone calls, countless messages left, countless emails sent. I have even tried to claim loss of income through my exorbitantly priced credit protection policies but all to no avail. Month end is here again and I have no answer. I don't have money for the installments that's why I app**** a month ago already for a payment break or some assistance. I have done my part by trying to make an arrangement but Direct Axis has made no effort on their part. Please don't send letters of demand when I haven't paid as I app**** in enough time for an arrangement to be made