Decreasing monthly repayments of personal loans

Good day I have been a customer for the past 28 years. I have homeloan, 3 personal loans and a credit card with the bank. Looking at the finacial constraints, I called and enquired about having to review my repayments as it will be difficult to keep up with the payments in the near future. The first consultant I spoke to told me that that I should pay as the contract say. The time that I took the constrct has dramatically changed from then to now. I am saying I will not pay, but I cannot afford to pay as much as I used.

I called again on a different number and told to write an email which can be accepted or declined. When I read check the email address that one should send such emails, is different from what I was given. I see that I could be send from pillar to post until I experience repayments problems.

Please advise

Kind regards Rebone Thoane