HELP NEEDED

Dear Sir/Madam

For many years I have been a loyal paying customer of MFC. I have only ever asked for my account to be restructured when I went on maternity leave as I was not being paid a full salary. In May this year my contract changed and I am now on a contract basis and not being paid a full salary. I also had to move to JHB and I have been trying to maintain my payments. I am however drowning and I made arrangements for the next 4 months but after this 4 months I wanted a 6 month grace period. Instead of me not saying anything and just not paying, I am asking for assistance. For just 6 months for no payment until I am back on my feet. My installment thereafter can be restructured to accommodate all the months missed. Please can you either assist or suggest a way forward. Surely if customers are struggling there is help offered