Absa - recklessly lending

It is asked that I ... "kindly contact our vehicle finance collections department on ***to conclude an amicable repayment arrangement. Regards, Daphne le Grange Specialist Case Managers Customer Care: Complaints Resolution Suite Retail and Business Banking" Guess what... they want me to pay over 8thousand a month which is more than what I currently earn how can I make an amicable arrangement if no one wants to help me. I was asked to either pay 50thousand and then pay off the balance of over 60thoudand over 6 months....how will I ever do that ....how do you win by taking my car leaving me with no transportation to get to my job ....no job equals no payment to ABSA at all.How is it possible there is only payments up until 2018 yet I paid payments on my VAF account in this year as well? MY account was debited with over 3thousands for fees but the account never came down it is just increased. I'm confused.