where has customer service GONE!!!

i am a direct axis customer for the past 3 years <br> I have 3 loans with them, I am experiencing financial difficulty and cannot afford the loan anymore, I have found assistance to settle the accounts but the balances are still quite high so I requested a discounted settlement, I sent a request only to be told I don't qualify, I am querying what warrants a client qualifying for a discount to which I am not receiving any joy, as much as I don't want this account to be handed over for legal action Direct axis couldn't be bothered if it gets handed over for legal action, hence my complaint \where has customer service gone.<br> I am a client and require assistance and I am blatantly being denied assistance what kind of organisation is this that does not care about its clients,<br> instead they telling me to make arrangements on my account, to show how unaccommodating they are they not even willing to provide a counter offer.<br> PLEASE CAN YOU TELL ME WHY DO YOULL TREAT YOUR CLIENTS LIKE THIS??? "