Account sent to legal after missing one payment

After missing one installment, I received a call from an ABSA consultant; who shouted at me as if he was speaking to a 5 year old even though I was being extremely polite and trying my best to explain the situation (luckily their calls are recorded and they can refer to the call).<br> <br> The consultant referred the case to legal, who were more polite but advised that once they receive the case they can't hold on to the case for long; as I advised that I would be able to rectify the account in a month and highlighted the strong possibility of settling the account. However, I was told that they would simply repo the car if I don't pay immediately (and the cutoff date just gets closer and closer).<br> <br> This stance will result in a negative impact on my credit score and thus affect my ability to derive an income and thus affect my ability to service my other arrangements I have with them; all because they can't wait for a month.<br> <br> The dealer I bought the car from did, however, warn me that banks and insurers love having rare finds on my car's calibre and I should be extremely careful with it. I just dismissed this as a wild accusation, but I can now see that some truth in this statement exists.