Extension Declined

I reversed the debit order in July. My car broke down and cost R10100 to repair. It was mechanical issues. I kindly request my contract to be extended with a month. It will be hard for me to pay arrears. Extended warranty paid half and I had to pay the other half. I made arrangements with MFC to pay amount in arrears on the 16th of October with overtime money however overtime has been cancelled. It means I will not have money on the agreed date. Kindly review my request. I've been paying well and now I missed one month due to unforseen circumstances... I feel that MFC is not hard on us. While they know the circumstances and hard life is these days