Lack of communication, no customer service, inconsiderate

For the past month or so, I have been emailing MFC to make arrangement of arrears for my account, but still to date, I have not received a response from them. I sent a follow up on the 27th and another follow up a couple of days ago in November. Your quick to make a million threats, but when we come forth to make an arrangement, its a mission impossible.

I have always asked for them to contact me via email, as my work environment doesnt allow me to be on my own personal calls, i've even provided them with times that they can contact me, but they still dont. DO YOU WANT US TO MAKE PAYMENTS FOR OUR ARREARS OR DO YOU WANT TO GET TO THE POINT OF REPOSESSION? CAUSE I AM TIRED OF RUNNING AFTER YOU GUYS.