FNB don't want to understand my financial situation

Good morning....I'm stressed and I do not know what to do.

I had a FNB personal loan account that was handed over to collections attorneys. They offered me 70% discount to settle which is extremely once in a life time offer which amounts to R16800. The problem is that I do not have that amount. I borrowed from friends and family until I get R12500, which is what I could get in 2 weeks. So I called fnb to try and ask them if I can settle the account for R12500 and they said I can't, I pleaded with collections agency and they also said I can't. I'm now the only one working because my wife is now unemployed due to covid. End of this month I need to start paying off friend and family member for their R12500 loan but fnb doesn't want me to settle with that amount. Who at fnb can I call or which manager can I call to pour my heart to? I borrowed that money because I didn't want to loose the 70% settlement offer