Trying to do what is right.

I have took out a loan with Old Mutual last year. Long term loan. I have financial problems starting from the new year . I phoned old mutual on the 14th March 2019 to arrange to pay what I can afford for now. My husband changed jobs, we had no other choice , the income he is receiving now is a lot less. I made an letter to explain all to Old Mutual what my situation is and that I do not want to not pay them. I also made income at expenses of my budget as it is now. I asked for the collections department details to send my letter and income and expenses- I was told that the two options that is given by the call centre agent is all options there is either I pay one of those amounts for the time frame or I will be handed over - I asked for the collections departments details to send my letter, I am based in open plan office I don't want to discuss all my personal matters out loud. I was told the she can’t give me the details for the department for Collections works from the inside out , I can’t contact them myself to send my letter on explanation and my budget, and that collections will hand me over if I don't do as the two options that was given to me by the agent. I can’t afford the two options that was given to me - It is not acceptable to Old mutual what I can pay, I want to pay them , but it is not enough for them, I was told that collections will hand me over if I do not pay more as what I proposed I will. I've have made a payment already this month via EFT to the FNB account of old mutual with the loan number as reference number. I want to send my letter explaining how I am going to pay them from March 2019 - I can’t give a time frame for how long this will be - but where there is more money that I can pay I will do so. I want to arrange with them before handed over. I can't understand why collections departments email address and contact number are being kept from me , why can’t I send my letter and why can’t it be accepted. ? Why hand over if I am still paying just a lesser amount that I can afford at this stage, I don't want to hide, I want to arrange and pay. Why hand over and then what I can afford will be divided into amounts that the attorney takes first and then what is left over Old Mutual receives , so this means that Old mutual will get then LESSER as what I have to offer if I will be handed over. I can go other routes where old mutual will get lesser that what I have to offer. I don't want to go that route, Please I want an email address and contact number of a person that I can send my proposal and budget to in to the collections department, so that I can have an arrangement with Old Mutual. I don't see why it is necessary to be handed over If I want to pay them , just lesser until I can afford to go on. I will send my arrangement to the email dresses that I can find on the website and hope it will end up at the correct department. I also explained to the lady that I have tried all possible routes before I had to contact them for an arrangement - My mother is on pension and receiving a small amount monthly - I even ask my mother if we can ask the pension administrators if a pay-out to settle the loan with old mutual we were waiting for an answer from them since January 2019 (that is why I asked for 2 times for settlement letters) In March 2019 we received answer that my mom’s pension is a life annuity pension and that no withdrawals can be made from the pension that is why I contacted Old Mutual the same week. I can’t pay more than what I am trying to arrange with them. It is unforeseen circumstances and it breaks my heart the situation that I am in. I feel like I am being kicked while I am already down on the floor. I do not know what to do further. I have been ignoring the call centre calls from old mutual because they just flat out refuse for what I have to say and explain, and as well on the same day that I have tried to make my arrangement I received to calls that I have answered form Old mutual the agents asked me If I will be interested to take a loan with them , I received two calls like this. ??. I want the contact details of the collections department, or whoever deals with arrangements, to send my letter and income and expenses, so that I can be placed on the system and all can be in order. I am not a dishonest person. I want my obligations sorted and arranged unfortunately I am being shut down and threatened with my trying to arrange with them. I know the implications that I have a long term loan with them , Unforeseen circumstances is not what I hoped for . It is out of my hands. I am trying to do what is right.