unfair treatment

I am very disappointed with the treatment I an receiving from both FNB and Wesbank. it's been 3 months I started, actually from the start of Lockdown the application for payment break because I knew my sisters won't be working and I will be under financial constrain. as a result I was in arrears with the vehicle payment and was sent from pillar to post regarding the application by FNB and Wesbank. Today I receive the response that application has been declined and clearly pointing out to the fact of arrears which resulted because I was not getting help from the beginning. Now I want to know what to do going forward because I am still the sole bread winner at the moment.