Refusal of settlement discount on arrears accounts

I have 3 personal loans and a homeloan with FNB and all of them are in arrears. I requested for a settlement quote with a discount on all accounts and was told I don't qualify for one since I am in arrears. The issue is, I once received settlement discounts better than the current quotes while the accounts were in arrears.The same accounts are referred to different attorney firms and I cant keep up with this harassment. Can I please have a better deal seeing that I previously explained why my financial position has changed and I need to get out of these loans but cant afford the current settlement quotes. Can you please review them or rather refer me to the attorneys handling the accounts. I hope to resolve this before the end of next week as its very difficult to even get through I am frustrated.