Consumer harassment

I have been in a very bad situation since I resigned from my previous employers and my resignation was never a good resignation, it's either I resigned or one was to be suspended and fired, it's been a year and four months since I have been unemployed I have a vihecle that I credited under mfc and it's been 5years now, I have been trying so hard to patch up to pay the car and some of the debts under my name , I even at one stage tried to apply for debt review that help me till I was not able to afford most of what I was meant to pay, now mfc I have been fighting not to lose a car as I have been trying to pay them, I even send them emails, take their calls and taking all their calls with me trying to avoid confusion or conflicts, I feel threatened as a cunsumer who is now unemployed but been transparent with my creditors, When they call I'm being told about the way the won't accept my request Thou I wish to be protected with my rites as a consumer, I don't even remember a single time when I was offered a court order to surrender the car, instead the was a time when I took an initiative to surrender the car but luckily I got money to on that month and all was OK, all I asking is for mfc to please try and reduce my installment as I need the car that I use to make money with and that provides for my family, all that they do is remember when one hasn't paid but when you pay no one even calls to consider my efforts as an unemployed citizen of South Africa, honestly I read and also understand all the processes of consumer protection but the way I'm being treated its so not acceptable I'm no ******** but a honest law abiding citizen. Brian Pontsho Moleleki ********** **********