End of the road

I don't know what FNB want me to do. I just received an sms that I've been handed over to FNB Loans Legal Collections who will be proceeding with legal action. I don't own a cent and been retrenchment due to covid which I told them on numerous occasions and I was told to pay what I can afford and that's what I've been doing. And was told October they will review things again and see how things are going. Why would any sane person want a bad credit record. If I was such a bad payer pre covid I wouldn't have been offered the loans to begin with. Yes offered as I never app**** for it but had a good track record hence the offer. I don't know if they want me to sell an organ to pay the loan.