Nedbank will not assist to find solution considering the circumstance

I have a personal loan account which fell in arrears due to financial issues. My account was handed over to a collection agency from Nedbank. I have been in contact with the agency over several months via email and telephonically trying to settle this account. The account has accrued huge charges during this time taking my balance to almost double. I have written to Mike Brown requesting his assistance as the collection agency was not helpful. I have informed him in my email to him the financial situation i am in and requested that he relooks at these high finance charges that are accruing.. I have explained that it will be impossible for me to pay R280 000 as a once off. The response I received was that they are not willing to review those charges and I should speak to the collection agency. It is sad when they want the business they will harass you and when you are in financial situation requesting their help to amicably resolve, you get no assistance. I have explained that I am willing to pay if they can give me a reasonable discount considering the huge financial charges and pay over a period to settle. It seems that Nedbank is hell bent on collecting the current balance and not willing to find an amicable solution to settle this account.