Overindebted

I currently have 2 personal loans with Nedbank. Due to changes in personal circumstances I could not afford the monthly repayments anymore. My account fell into arrears. They now have 4 seperate debit orders going off my account each month.They add up to R13000 pm, which I cannot afford. I have tried numerous times to make an arrangement with Nedbank to give me 1 consilidated amount with which I can pay off my loan and also my arrears. The call centre staff do not know what they are doing, they do not know where to refer me to or what advise to give me. I have been sent from pillar to post, repeating all my details (ID phone nr etc) for security purposes to about 7 different people. No one can assist me. On top of all this frustration, they keep on taking the debit orders on the 19th of the month, while they know my salary is paid on the 20th. They do it more than once, they eventually give up and try again on the 20th. This has affected my credit score and I do not qualify for any financial assistance, anywhere. Please HELP!!!1