MFC handed over my vehicle account to a stranger after making payment arrangements with them for missing just 2 payments when on sick leave without informing ne

Good afternoon. On the 30th November 2022 I have made an arrangement to make a payment on the 17th December for my vehicle after coming from a non-payment sick leave. For the past few days after receiving a call from mfc agent then I have been receiving strange messages with a cellphone number with no company details or any information of a company threatening to take the legal steps against me which I ignored as I didn't know who or which company was sending me this message until today when the lady by the name Kathy sending the 3rd threatening message to collect the vehicle within 48 hours again without any company details or information. Yes I was very absurd and we exchanged words as I don't know who is Kathy and felt disrespected by being harassed by a stranger without no details or information after making arrangements with MFC and the threats continued but let's leave that to the law. I am not a prophet I can't just know who is Kathy especially I know I don't owe Kathy anything and no one warned or informed of Kathy.

I would like to know if does that mean I don't have to pay through mfc but pay this non disclosed company with the lady named Cathy which I don't know who she is, what company she's coming from? Or does this cancel the arrangement I have made with MFC for the 17th December 2022 payment. Kindly clarify I was not aware that my account will be handled by Kathy. I googled/researched about Kathy and there is no company called Kathy