Torture from SA Homeloans

Account No. ********** I recently have problems with sahomeloans because of the debt review process. The above account is in areas. I was send summons to try and recorver the outstanding money. I contact them and explain that I can only afford to pay the loan amount excluding the insurances. I ask them to cancelled the two insurance and they refuse and tell me to supply the replacement. I was forced to surrender my life insurance to them to replace one policy. So I don't have a policy to replace the other. They are refusing to cancelled. Could you please help me, to make this people that I cannot afford to pay . where can I get help from these torture.