First Nation Bank Irresponsible Lending

I am sick to the teeth of First Nation Bank calling me to remind me im in arrears, I have explained over and over again that due to the lockdowns my salary has been drastically reduced, I have been making almost 65% of the monthly payment every month as this is the best that I can afford right at this time. Last year when we went into hard lockdown and I spoke to them what did they do, gave people a second loan to cover the payment, so what they did was make more money for them self and just helped people more into debt, very responsible!. I have ask and spoken to them to reduce the interest that is still sitting at 14.5% on this loan to help but they have ignored my request. All I can do is pay what I can and to call me at 7 am in the morning is not acceptable. I am sure there are many many people out their they are now harassing for money that they irresponsibly lent out instead of just giving people a payment break like most the other banks did. The whole country is in crisis at no fault of any individual. What am i to do.