NO ASSISTANCE FOR STRUGGELING CLIENTS

I lost my job in June 2015 after my son was sick after birth. I went to FNB to ask if they can please assist me in freezing my account until I am employed again, because I am no longer able to pay my personal loan. The lady just refused to help me because I did not have a retrenchment letter. She only said that if there was no money paid into my account I will get Arrears on my account and then the bank will take legal action against me. DOES FNB ONLY LISTEN TO CLIENTS WHEN IT GOES WELL WITH THEM??! I am NOT EMPLOYED, my banking statements will show it. WHAT MUST I DO IF I DO NOT HAVE MONEY? I went to the bank for help, because I have been a client with them for a very long time, but I rather just got threatened? It is not like I am running away, I am trying to take responsibility. I am paying insurance on my loan every month, for what?? Does FNB prefere I rather just do not take any responsibility and leave them in bad debt?! Can somebody PLEASE assist me in this manner? I CAN NOT deposit any money in my account. What must I do?