Appalling treatment from MFC

I havent paid my installment for the month of January I made an arrangement with MFC to make payment on the 25th of January on Monday the 18th with Sumashnee Pillay who is a representantive at sky legal. This morning Sumashnee calls me to tell me i either have to make payment today or someone will be coming to collect the vehicle for “safe keeping” and this agent will be coming with surrender documents that I will have to sign. I have been told that i am not in a position to make any arrangements because my account is not older than 12 months. Sumashnee instructed me to call MFC directly I was then put through to Tshepo Phelang who told me that management approved for the vehicle to be uplifted today. This will be happening without a a warrant of execution attached on the vehicle. I asked Tshepo on what grounds will the vehicle be uplifted and he told me he is not a lawyer and cannot provide me with information on that. As a client of MfC i am rather disappointed in how your collections teams treat people who they think do not understand their rights. They are sending an agent here with documents that I have not requested to sign and I have to incure the cost for it?