MFC REPOSSESSION OF VEHICLE

My vehicle a 2018 VW Polo Comfortline was repossessed because I fell behind with the instalments and couldn't afford it anymore; reason being that I became unemployed and cannot find employment. I was informed per SMS, that the vehicle was valued by a "sworn appraiser" for the amount of R138 000.00; my honest opinion is that I smell a rat because this vehicle is in immaculate condition and has done ±40 000 km with almost brand new tires, a Beats Audio system, clean interior and no damage to any lights or windows. I feel that this vehicle is more valuable than R138 000.00 and that the "sworn appraiser" maybe has his / her eyes or those of an acquaintance on this absolute "*****" of the century; leaving me with an enormous amount of debt where it should be to help me but it only "helped me on my feet" with having to pay for something that I don't possess anymore. Thank you for nothing MFC...