Bully tactics

There is this guy by the name of Karabo, he works for MFC in Pretoria. He sent me an SMS on Saturday regarding arrears on my car. I skipped 2 months (March and April) and the guy threatened to repossess my car whereas I paid on May. Now I am puzzled if he knows the NCA and that at least they can repossess the car if I did not pay for 4 months consecutively. His bully tactics are just a turn off and it goes to show how some bank officials lack the basic knowledge needed to perform their duties effectively. What i know is that the bank cannot repossess my car while I am still paying for it. Hence I responded to him by saying that we have to go to the Banking Ombudsman regarding the issue.