rude african bank agent

on the 2018-10-04 at 09:37 I phoned LGR Attorneys regarding my African Bank account. the lady that answered the phone told me that the person dealing with African bank accounts is busy on the other phone so she will ask that person to call me back. the guy did call me back at 10:10 using the ********** 508 number. I explained my reason to call regarding my account and explained that I know that I missed my September monthly payment. I explained to the guy reasons why I missed my payments and also requested to have my monthly payment to be reduced to R350 for six months as I am struggling for now being a single mother of a son that is currently doing matric and busy with his matric dance arrangements and will be also going to pay his tertiary registrations that's why I requested the 6 months monthly payment reduction. the guy told rudely told me that my account is ready to be taken for legal actions and I must pay R350 today on the 2018-10-04 of which I explained that I don't have, I also explained that, that is why I phoned them to explain my situation rather than keeping quiet. he said that I must at least pay R200 today or tomorrow and I also explained that I don't have. he rudely said He will take legal actions regarding my account if I don't pay today or tomorrow. I asked him if he was threatening me with legal actions, was is it bad of me to call their office to ask for reduction nah. LGR attorney call centre agents are so rude its like not been able to pay an account for them is like punishment.