Lack of understanding

<p>I am really not happy with Direct axis at moment. I have recently landed myself in financial trouble I am unable to pay my loan amounts back in full. I phoned DA the other day to see if I could make an arrangement and the feedback was only thing they could offer was a consolidation loan or arrangement at 65% for 3 months. The guys just said well sorry cant help. Now I am aware this is my bad decisions that got me in this mess but I am really trying to sort this out. I am running out of money by the 10th monthly and was previously able to borrow money to survive till month end but that has now come to an end. I have to survive and am desperate. All I am asking for is a 1/3 reduced rate for about a year so I can survive. Extend loan period or whatever but I literally cant afford more. If DA going to be so hardball about this, it is going to force me to cancel the debit and EFT what I can pay. . I am desperate and need to survive. I really find it a harsh that they cant help. I turned down debt counseling but now re-thinking it cause I tried and failed!!! If you cant pay you cant pay but I am not trying to run away and not pay at all just need some relief which wont be forever!!:-(</p>