FINCHOICE - I AM VERY UNHAPPY

For my past dealings with Finchoice I really cannot complain; however now is a very different matter. My circumstances have changed and I am unable to service my loan in full, so last month (June) I tried to make arrangements and was advised that it was too late and I would have to wait for the debit order to be returned ..... at a cost to me and reflection on my bank account....... it was returned, I made an arrangement, paid the arranged amount and they go and present the same debit order AGAIN to be returned at another cost to me. I phoned in nothing was able to be done except move my debit order date. My financial situation has changed and I need to make a plan - on the 24/07 I again tried to phone (about 4th time over a period of days) - get transferred from one to another 5 TIMES - after 15min of this and being on hold (using a cellphone) - as the voice says - sent an email ..... STILL WAITING FOR A REPLY to my email. Today I phone again, third time lucky to someone who could assist me - same story..... wait until the debit order is returned before they can make an arrangement..... there is nothing that can be done !!!!! It is not that I do not want pay nothing !!!! I just cannot afford the full instalment...... I am being honest, upfront and being responsible - but that means nothing.