BAD SERVICE

I bought a car which was financed by ABSA in 2014 I have been paying very well until I had financial constrain, then I decided to pay via Debtreview, the after a year or 2 I felt that I am not going any where with this then I terminated thier contract, so that I can start paying my self and the debit to go off my account, when I went to the bank to make arrangements, I was told to call ABSA Vehicle finance where I was told that they cant make any arrangements as my car has been handed over to reposes department because I have R3600 areas on this account, I have requested to make a minimum of R500 per month towards the arreas as I am still recovering from Debtreview desaster, Can I get a proper assistance in this regard as I did not refuse to pay my arreas, why would they put my car on repo as if I have been refusing to pay, and I only Terminated my contract in May 2018