Poor customer support/Non disclosure of critical information

I took a personal loan while I was working under a 12 months contract. The consultant who assisted me was aware of my circumstances. When the load was approved, I was advised that there is a compulsory insurance in case I get retrenched or pass away.

When the contract ended, I tried to claim from the insurance. However, I was told that my contract should be more than two years for me to be eligible to the insurance benefit. I was not advised of this when I took out the loan.

I further tried to negotiate a lower payment as I am still unemployed but it doesn't look like I will get any help. I feel that the bank is taking advantage of underprivileged people.

They are continuously sending debit orders to my account know that there are no funds at all. This is putting me in a bad position as my account is now in a negative state.

Please get someone to assist me as soon as possible.