Retrenchment Cover but no Cover!

I took a personal loan with FNB and I was retrenched after, I called FNB to ask how can they assist me as their client in this situation. I was told no retrenchment insurance wont cover me, I cant negotiate lower repayments, I can't do anything. What they will do is to continue to debit my account if there is nothing for 3 months then they will blacklist me. So much for caring for your customers! basically you are telling me that you are going to ruin my life. I will have to pay for returned debit orders to FNB by the way. pay for collection fees, lawyers . I am contacting FNB in time to arrange an amicable solution to this but no they say sorry we cant help you!