FNB's REPLY "your financial difficulties are not our problem you signed a contract "

Very disappointed with the support received from FNB,I have a loan which i was paying without defaulting since it started when covid-19 started in march i experienced financial difficulties,when i contact FNB to make payments arrangements i was told we cannot make any arrangements with you,you have signed a contract you must pay full installment your difficulties are not our problem if your account falls in areas we will take the money that will be deposited into your account we will not make payment arrangements,my account was handed over to the lawyers who contacted me to make payment arrangements of which i did, now when i call FNB the told me the amount handed over the lawyers is only for arrears we will still continue to charge you for arrears if you don't make full payment,how do i make full payment when i have explained that i am having financial problems,"Mam that we cannot help you with as your problems are not our problem you have signed the contract " i have made payment arrangements with other banks and they have agreed, "Mam we are FNB not other banks" my question is why hand over my account to lawyers if you are still trying to debit money from my account and putting my account further into negative with charges?why hold my account hostage instead of allowing me to make payment arrangements that i can afford now until i solve the challenges i am facing financially and continue with agreed installment???