FNB - will not restructure your debt in times of need!

FNB has been the worst! I am currently unemployed and have tried my utter best to ensure that all debt is paid and up to date. I have asked FNB to restructure or give me a payment break for 3 months and they have REFUSED!!! My accounts are not behind - they even rejected a claim on my Life Insurance which could've assisted. I am able to at least keep up with the interest - and still they said no.