I need a Humanly Possible Solution to this.

I do the understand that the system was made to make the banks as profitable as any other business. but where do we draw the line between what is human and not. I had my first car financed and insured through ABSA and ABSA iDirect. had an accident and the claim was repudiated, then I let my the Bank know that the car was in a car accident and was written off, they picked up the car and disappeared for over a year no debit no communication all I was told was I will receive further communication regarding the balance and how we can settle. 2 yrs later I'm sitting in a default area black listed across all banks without so much as valid communication from the bank. this is really not fair. All I know is that my account has been handed over to some external collections organization who have been trying to milk every cent off me for 6 months