Zero help when trying to arange payment options

Due to personal financial problems I started to contact Standard Bank in December, knowing that I will not be able to pay my January installment, trying to make some type of arrangement that can be beneficial for both. <br> <br> Firstly I send an e-mail to a contact center and received a reply saying that I should sort it out from my branch, when I visited my branch they made several calls to their own call center and no one could further assist me. They then advised me to wait until the payment bounced and wait to receive a call from the collections department.<br> <br> On Monday I received the call from the collections department. They were extremely rude and unhelpful, completely lacking to understand my inability to make the payment - and just dismissing my answers with a simple \you have to pay the amount"standard answer. <br> <br> I tried to go to the bank again and sort it out"