Absurd advice

<p>I have power of attorney on my mothers' financial affairs. I'm contacting her creditors and negotiating lower monthly installments to ensure that all creditors are paid monthly. When I phoned Sanlam yesterday I was told they can only assist me with a lower montly installment once she defaults on her monthly installment! Surely this can't be true?</p> <p> </p> <p>To add to my frustration - when dialling ********** or ***I'm placed on hold for over 15 minutes. Eventaully I need to drop the call because I can't hold indefinatley. </p>