BMW Financial Services refuse to enter into a payment arrangement.

I lost my job due to covid and BMW Financial Services granted me a payment holiday to which I was very grateful. I have been keeping in touch with the organization throughout. My account is with the legal department because I’m in arrears and I owe them R77k. I secured a job and started on Monday the 15th of February 2021. I advised BMW Financial Services that I will be able to pay for the car and asked them to assist with a payment plan, I was told I should settle the account in full or they will repossess the asset. I need this car for the job I do and I would sit with a huge amount of debt which would hinder me from securing any other job in future due to an adverse credit record. I can’t afford to pay R77k upfront at all. I want to keep the car because loosing it doesn’t make financial sense. They flatly refused to help with a payment plan despite my stating that I have a job, I pleaded with them to work with me so we can gradually bring my account up to speed. I’m in a real fix at the moment because I’m going to loose the car and have an adverse credit record plus I’ll be paying for an asset I do not have. I have a job now, why won’t they help me??