Unfair Treatment by Nedbank

I have a mortgage with Nedbank which i have been servicing religious since July 2015 until June 2018 when I was entrenched at my work place. I quickly notified the Bank as I was not so certain of the options before me. The bank did not disclose all options available to me and i ended up requesting a moratorium from July to Sept for 3 months unbeknown to me that by choosing that option I was forgoing the restructuring option which ,had it been been disclosed to me earlier would have been the best option for me. Due to my fear of defaulting, I paid for the 3 months consecutively from July to September thereby postponing the moratorium to the period October to December 2018. I was meant to resume paying from January 2019 but since I had not secured employment could not do so and now needed to restructure my mortagage account by aligning it to inflows of a new business I had ventured into. To my surprise I was advised by the Bank that I had forfeited the right to restructure the account unless I make full instalments of R18 000 per month for 3 consecutive months to qualify for restructuring plus the current amount to make it R72000.00 in total. Considering that I am a father of 4 children and a wife and have paid over R700000 excluding transfer fees towards this property, it would have been fair to disclose all options before me prior to the moratorium and given me a chance to restructure my mortgage and proposed an amount in line with what I can afford and adjust it accordingly as the business progressed. I tried contacting the agent handling my account for a periodic update concerning the restructuring and have not been successful as I keep talking to a new call-centre agent to whom I will need to explain my case from the beginning until I am referred to other staff members to wjom i would need to repeat the explanation. This has happened on 21,23 and 24 January 2019. For fear of cancelling a debt order of this instalment or dishonouring it for the month of January 2019 which is due tomorrow 25 January I have been trying the best part of today to find someone at Nedbank to attend to me without success. I am being treated unfairly and I need help. Please come to my rescue Hellopeter as I do not want to lose my property. My mobile number is ********** 720.