Payment arrangement

Hello, I called customer care to make arrangements, I cannot afford to pay total loan installments, I was told they can not drop my repayments, I'm left with no money at monthend, I did send an email with my expenses to customer care, I could make my payments cos my overtime carried me, now we don't have overtime, I also informed them I have changed my bank details not to debit my account I will pay via deposit give me bank details, no bank details was given to me, I am willing to pay but I'm getting no help from Direct Axis, I can pay R 200 a month