Is it because we're black that you won't restructure our home loan...

I know South African banks are ******s but I never thought to this extent. The COVID pandemic affected everyone however we managed to survive being sick and now we have to fight off the bank. My husband and I have a home loan with Nedbank, we are entrepreneurs. We didn't get any work but through penny pinching and some restructuring we managed to pay our bond monthly through our savings. Now that our savings are depleted we haven't managed to pay for five months and have defaulted. We spoke to the bank and explained our situation to them and thought they'd give us a chance instead in August mid August my husband returns from work and finds a court order at the gate. We called the bank and asked for leniency and instead they tell us we need to pay all our arrears in full by the 15th of September. We might have work coming in however we will only have that money after two months. We asked the bank to restructure our home loan however they wouldn't have it but a white friend of mine gave me this idea because they have done it for them. Now we are stuck trying to figure out where to take our kids and what to do because the bank is adamant that they want their money. We have work that has recently come in however we're still working to get the money because obviously invoices haven't yet been paid, I want to understand why is it that this is happening when we have an open communication line with the bank. We made a payment to the bank in July however the bank doesn't care, we want to pay the band, we want to keep our home but we can't work under duress with the tension in our home because the bank is declining to restructure our loan. We are at out wits end and we need help, we don't have money for lawyers, we don't have options to borrow from banks and we can't go to loan sharks. Our parents are taking care of our kids school fees because they understand our situation however why would Nedbank do this. We just asking to restructure our loan for five months to eliminate some of the stress and push to get the money by November or December but definitely not September the 15th. Does it please Nedbank to see people homeless and in debt? We truly don't want to loose our home...