DISGUSTING HEARTLESS MFC

I was under debt review when Covid hit. I was granted a 3 month holiday. When we returned to work after lockdown all employees at my work were asked to accept a oay reduction for the interim. One year later I am still not receiving my full salary and have been told to stay home on numerous occasions (unpaid). As such I have not been able to meet with my obligations. After the 3 month period MFC immediately cancelled my debt review and demanded full settlement. Despite having paid them direct because it is not the full instalment amount the car has been handed over for collection. It seems I must die in order for them to receive the insurance and settle the account. Despite communicating with them as to my situation ( for every 4th email I send I get one response !!) their only suggestion is that I pay them. Believe me, if I had the money I would pay them !!! I did not expect or know what was going to happen to the entire world. Has no one in MFC been affected by COVID at all or are they just totally heartless human beings.