Bad Attitude when trying to arrange payment plan

I fell behind on payment of my car and was removed by MFC from debt review. I am currently in dispute with my debt counselor due to their breach of contract about communication about debt....either way, I tried to do the right thing by contacting MFC to arrange a payment plan - which I think would be much better than going to court and me agreeing to only pay R100 per month.....to be honest my car needs a paint job and the radio doesn't work so MFC will not get the outstanding amount if they sell it. My point is, I am really trying here, I really want to pay my car and not be difficult about it so why is Jeremiah giving my attitude? He's reply doesn't contain any amounts, plans, dates of debit order deduction, nothing. I was not expecting this from a Nedbank employee? Even if he can't help me, can't he explain that in a proper manner instead of giving my attitude because I dared to ask him to do his job and assist me?