Consolidated debts

Hi I app**** for debt review around April/May this year, due to retrenchment. Around July, the bank sent out a statement demanding to repossess my car because they felt the offer given by the debt review company was little. I sent numerous emails requesting how much the bank is requesting for. The bank then sent follow up emails to repossess the car, which I was communicating with debt safe. Until now October, when they delivered summons. Debt safe, stated they could not assist because I missed 1 payment and the bank was unwilling to accommodate offer. I'm angry, disappointed and confused. I've sent emails, did what I could to try and salvage my own debts despite appointing another company to assist by consolidating my debts. I feel like the service rendered to me was so disappointing, more especially because they dragged their feet and didn't resolve the vehicle matter earlier. Now I need a lawyer, which I cannot afford and debt safe provides legal assistance. I need advise as to how to handle this. What would my way forward be? Thank you