Car repossession

On December 2014 I was on leave, unfortunately on January 2015 for the first time since I started working for my company the Production Bonus policy was amended ( That is all employees who are on leave they only get 10% on production and safety bonus for that period). So as a result I was paid R10000 less in January 2015, resulting in myself not meeting all my financial obligations. I called Absa Vaf on the 21 January 2015 alerting them that I would not be able to pay my installment on the Golf VII, the consultant advised me that I have to call after getting an SMS. Today the 05 February 2015, since there was no SMS I went again to Waterfall Absa branch to call but Chantelle advised me that if I do not come with the total R7500 owing before Monday the 09 February 2015, my car will be repossessed. Question is, why take my car after only missing 1 installment and not the third as per NCR. With me I have proof of my January's pay, compare it with any other month you will see the R10000 difference. All I am asking is to be given a chance to pay my debt. You might add the missed installment to my total capital owing. This scenario will not repeat itself.