No assistance From Standard Bank Debt Restructure

I've been with Standard bank for over 20 years, last year I was involved in a car accident that got me hospitalised for a week and recovery for at least two months, the entire time i was off work. The position I held came with a good salary taking home R56k enough to pay all creditors with ease, the effects of the accident was such that I couldn't sit for long periods at work and my work performance at work suffered to a point where I had to resign. This was in August 2023, I've made standard bank aware of this and tried to fulfill my obligations as best I could.In December of 2023 I managed to get a job working remotely however this was at a reduced salary of R30k take home, again I went back to the bank to ask for assistance they offered to assist with a payment holiday for 3months on my RCP and VAF, the 3 months lapsed and was told to give consolidation with std bank a try, I did and when they did the review it came back stating that I needed to have at R22k money available at the end of month once all living expenses have been paid, my bank charges alone amounts to R2.5k, school fees amount to R3600 per month for 3 kids then there is still food, electricity, rates, insurance etc. I've asked standard bank to help me with consolidation but clearly was not worth investing in. I want to pay my accounts and have been paying my VAF trying to make full payments and paying what I can afford on RCP and credit card.