Break in Installments

i must say i am very disappointed with MFC, that when you come to then asking for help that they do not look at the problem at hand and just decline your request. i wish i can go back to standard bank vehicle finance as they assess the nature of your problem and assist accordingly. i have had a contract with them for a year now, i have never missed a payment not even once even with my previous vehicle. last time i app**** for a break in my car installments i was asked to attach proof of payments as well as quotations of my problem which i did and had hope that they will approve my request, but feedback came back saying that i need to have paid at least a year and since it was less that time i needed to make one more payment to at least have 12 months ad i was declined. my financial situation had not improved as i had to pay R35 000.00 for repairs on my other vehicle that is bringing me extra income to fix it i took from the money i had saved up for my wedding that is in October. i have not recovered and i thought let me try with my vehicle bank again and see if the will be able to assist now since i have paid at least 12 months now again the application comes back declined as they only cater for maternity, or disability. image i was not told that the first time. i am not cancelling my vehicle contract all i am asking for is just 2 months to sort myself out. i do not want to just not pay and be on arrears as that will have a bad reputation on my name. we are always encouraged to approach our creditors and make arrangements instead of not paying at all. i am disappointed that MFC Management did not look carefully at my request before dismissing it as i had hoped that it would be approved. i am really in a tight corner and need only a chance of 2 months to sort myself out. i have send them everything to show that i am not lying about this. i would appreciate that the management could review my application. i have been begging i still am.