Payment arrangement

Dear Direct Axis, due to financial difficulties re the Corona Virus, I have TRIED to make a payment arrangement with yourselves but you declined a payment arrangement. You suggested I go onto debt review. My question to you is: Why will you NOT make a payment arrangement with MYSELF but you will make a payment arrangement with a debt counselor? I find this unacceptable, debt review costs money, don't you think if I had a few thousand Rands lying around I would rather pay my installments to you than a debt counselor? I am beyond my wits end with Direct Axis, you are very quick to loan out money but now when thousands of people are battling to make ends meet, you want to know nothing. I have made the offer and if Direct Axis does not want to accept it then I don't know what to do. I will continue paying what I can every month