Why even bother............

Good day, I have recently gotten into some financial difficulty and failed to make the full installment due which is a fault on my behalf and that I accept. I received an email yesterday informing me that I can call to make a payment arrangement if I am unable to make this payment. Today, 12/01/2019 I called the number in the email for your collections department ( ********** 447) at 10:55am and spoke to Sarah. Sarah went through my personal details with me and requested an contact number for my work and a family member to contact for payment?????????? I find this unnecessary and rather belittling, not to mention degrading that you would want to call my work or family members for payment but thats another complaint for another day. So I informed her that I am only able to pay R350pm as that is all I can afford to pay, Sarah then says she needs her manager to approve this payment arrangement as she cant because its less than the installment amount. After a few minutes Mrs Mokoena( the manager) comes to the phone to tell me she needs to know why I cant make the full payment?? I inform her that I already told Sarah that is all I can pay at the moment. After going back and forth I ended up ending the call because I honestly dont understand why you inform me to call and make a payment arrangement and then refuse to take it? Why waste my time? Why is it so hard to make a payment arrangement? It is already very embarrassing for me to call and make a payment arrangement as I always pay my account and then to explain a few times to your call center staff of my reasons? After almost 10 minutes on the phone your staff refused my payment arrangement? I am now confused as to what to do and what the next step would be. Your assistance in this regard would be highly appreciated. Thank you