Left stranded by Capitec

We sold our only vehicle and used the money towards settling our current loan with capitec bank, many months before settlement date,we therefore wanted to make another loan to get a more reliable vehicle but instead capitec offered us a smaller amount at a very reduced payment period,thus making it unaffordable for us and leaving us now stranded without a vehicle and all our cash 'lost'.Their excuse seems to be the fact that my wife was on maternity leave recently,so to them your previous payment record,employment contract and the personal service you would expect does not mean much,very disappointed!