Mfc

I brought a car and I was financed by Nedbank mfc .so I had a problem with paying my first installment because of a strike at work(makro) which took place for two months.then they took back the car and told me that after 30th days I can actually come back and take the car but they will penalties that I will have to pay.after those days i went back to them to take have back my car.then I was told to pay R11000 for penalties.even though I thoughts it was tomuch but still I was actually willing to pay because I needed my car back.so I asked them if we can make arrangements on how I can pay that's required amount.then they refused to make arrangements for me instead they gave me 4days more to get the amounts they asked for.then after that's 4days I call them so that I can actually pay and get back my car.sadly I was told that my car has been taken to auction and it has been sold. So I ask them why they sold it because I was willing to pay for it.so I believed it was unfair and they told me to pay a short falling amount of 67000 and the car was sold 54000. So I need help coz I think It unfair coz now I need a car but I can't because of this big amount they want for a car that's is not mine anymore