BAD SERVICE , MTN DECLINING TO GIVE SETTLEMENT LETTER

I'm really disappointed in the impossible rule that MTN is telling me about regarding settling my contract.So I haven't been able to pay my monthly instalments due to financial constraints that I am going through/have.The company that I work for is willing to assist me to settle this contract through a consolidation,now when I call MTN to request for a settlement letter that I need to submit to the company that I work for I'm being told that I need to settle my arrears first in order for them to give me a settlement letter,my question is with what money am I going to pay those arrears because I am clearly explaining that I do not have the means to do so hence why I'm asking for the settlement letter.

This means that I have to wait up until I'm handed over in order for me to get what I'm asking for ,for me it really doesn't make sense for me to wait for my arrears to accumulate while I wanna do something about it.

I am already frustrated as a client as I am unable to pay my arrears and now they making things worse for me because they denying me to settle this account.

Can someone assist me because now I wouldn't recommend this network provider to anyone at this moment.This is just not it .