Cancelled debt review with no restructuring available to a working mother who has kids who depend on her.

I was put under debt review and got divorced....husband left me basically with all the debt. I was retrenched in 2015 was out of work for 2 years still tried to pay my VAF as best as I could. Got a job in September 2017 on a contract basis was earning just over a thousand Rand and still tried paying my account. Financially I was overindebted when bought my vehicle. I really needed the car as I was getting divorced .Absa gave finance less than a year later I went under debt review because I wasn't able to afford the vehicle to begin with. Anyways long story short I still owe Absa Over 100k and having already paid them over 60k thus far .I got a letter to call them which I did because I could only afford half the debt review payment but pay I did I called in today to make alternate payment arrangements and Conrad says sorry we have external debt collectors who are going to reposses your car. You needed to pay 50 thousand now and the rest of the 101 thousand over 6 months or R8376 a month for the next 12 months. How is this helping me or them? Trying to ****** money out me that I can't afford making it impossible for me to keep my car I could barely afford r700 a month how can I afford over 8 thousand rands??? Are they ever hearing me? They won't take any other offer as I have defaulted of course I have because I have rent to pay kids to see to petrol to put in my car so I can get to work. Somebody please tell me how I still owe more than what my car originally was worth??? I need a lawyer or someone who can plead my case. The economy is so bad if I lose my car I can't get to work to pay them even if they take my car. So how do they even win? HELP ME PLEASE