Unfair treatment

I app**** for an additional loan which was granted immediately without any paperwork or going through the contract to see if I would qualify and do an affordability test, the money appeared in my account the very next day, for which I was grateful. After writing to them several times requesting the telephone script and contract, to no avail. Now that my income ceased, I also requested a payment holiday as I am waiting on fund sfrom the proceeds of my sold property, I still get no response. Direct Axis continues to try and collect my installment and its costing me additional money bank fees due to returned debit orders. And Standard Bank advised me today, I am not allowed to Stop the payments. What a disgrace