Settlement amount denied!!!!!!!

I emailed woolworths to make a payment arrangement as I want to settle my credit card and store card that is almost R16 000 and all I asked was if I qualify for a discount as it’s a very large amount and the response I got was sorry I can’t get a discount and settle the entire amount. I’m willing to pay and this is the service I get from woolworths. This is a joke, we are going through tough times and no one is willing to help or assist. Not like I’m asking for R5000 discount. Come be reasonable and come to the party as I really can’t afford to pay R16 000 now.