FNB Home Loans - Where is the Compassion

Good day, i would like to take this opportunity to air my views RE: FNB Home Loans. As many of us are aware, the state of our country and the economy In South Africa is challenging, to say the least. I started a job at a new company in November 2023 in Johannesburg, at the time things were good lots of work in the pipeline and lots of promises. After a few weeks, i was advised that a big mining company that we do lots of work for was pulling out of the country and shelving all the SA projects, which had a huge negative effect on me, my family and my livelihood as this was or would've been my main source of work and billable hours. Being a contractor for the past 18 years, this means, no work, no pay. I refused to give up, work was scarce but i dug deep and managed to secure some work with the same company but the Canadian office on a huge rail project. Things went well, for a while but then the company lost a huge chunk of the project and i demobilized. Again, i refused to quit, i hustled and managed to secure work on another phase of the project as i made a good name for myself with the Canadian teams etc. Then the tariff situation with Donald Trump came along and Canada was right in his sights and unfortunately they were no longer able to share their work and a few of the major projects got shelved. Again, a massive blow to my livelihood, we went on short time with some months only able to book less than 20 hours out of the 160 hours, promised and i was forced to go under debt review. Then things got really bad and my contract was coming to an end, i app**** for a 3 month payment break, which FNB approved and I am grateful. I still tried my best to make payments, even though there was very little or zero income. My last payment was in April but i missed, 4 months payments, to date. Thanks be to God, i managed to secure a new permanent job with a steady monthly income and started now in May. I have been in touch with FNB and they have offered me a payment arrangement over 12 months, which they assure me, is the best that they can do. Unfortunately my new job, is a lot less salary but it's permanent but i cannot afford to spread the payments over 12 months as i still have a family and other obligations to take care of. It's a 20 year bond, my question, why is it so critical to spread it over 12 months, please? I cannot understand the reasoning behind this, can you please assist? Lots of people are struggling but I'm always proving to them that I'm doing my best to stay afloat, in this time. They even mentioned that they will assist me in selling my home and i will be liable for the shortfall, how do i sell my home for being 4 months in arrears. I know this is not the banks problem and i did sign a contract but where is the compassion, as i mentioned, my last payment was April 2025 and now i have a new job as well. Why can we not spread the arrears over a longer term so that i am still able to live and take care for my family etc. Please FNB, there must be another way?