Why legal action

<p>I purchased I vechile through Absa finance in December made payments Jan,Feb, march I realised did not make payment end of April and called in on Friday 28 April before they could call me as they say if there a problem rather you act first before they , I have explained and but the lady mentioned that I should call in this week which I dit , upon the call I explained that I willing yo pay double instalment end of this coming g month as I have worked quite well overtime but to no avail</p> <p> </p> <p>My question is why only after 1 month does Absa threathen legal action after I made the call to say I Kno I wrong and will fix it include arrear cost and admin cost if I don't pay by 10 Tuesday my car repossed what bout the NCR agreement of 3 months and what happened to making arrangements before legal action is taking if I the consumer contacted the bank. Weatbank apparently agreed to the credit act. This is very sad yet realistic services provides by Absa collections </p>