Payment arrangement refusal

The worst and poorest customers service you can find its at wesbank. They care nothing about customers their credit liability. I got vehicles financed by Westbank in 2020 and they sold me their credit cover, i have been temporarily laid-off at working and the Westbank refuse to give me a payment holiday though i gave them the proof of my layoff and the assurance that i will be going back to work in January 2022, how the hell am i supposed to pay my installments if i don't have an income and now they threaten to take my account to layers if i don't pay if i don't have an income🤷🏾♀️and what was the point of calling to make an arrangement with them🤔, i so regret ever doing business with them and wouldn't recommend anyone to do either, they so inconsiderate and cares nothing about the customer, worse creditors ever😡😡