Standard Bank

I have home loane at standard Bank and on the areas of R75000.00 and it looks like they have not put on security on my property in case of if I'm failing to pay what to be done. But my work pay-slips was taking from me to check if I will be able to pay the house and or if I lost my job or cannot be able to pay areas.Then the money that I will get from work I will pay the areas or settle my home loan. So how can they don't relay on the agreement. Nine month and they send this document for what. To abuse me because on the setuation I am now I'm temporarily incapacitated by my company because of the injury. And I cannot pay R35000.00a month where I am going to get that money.if I cannot be able to pay R5500.00