MFC heartless

I asked MFC to resructure my agreement as my dad passed on in December 2019 and I was supporting my mum and my sister as all my dads money is frozen until the estate is winded up. The documents were sent through and they did. Last month I asked them to extend the restructure until end of January as with covid the process has been delayed but it is almost finalized as the lawyers said buy end of January everything should be sorted they had refused. I was grateful because they also assisted with a payment freeze during covid for the months but when we as customers call them asking them for assistance surely they can try to assist with an arrangement. As I said this is not indefinite. Its until end if January, by end of January I will be sorted with my family. I was unable to pay last month due to this. So because u am unable to pay for two months. They will want my vehicle back. Is that how it works. Can they not add the installments to the end of the term for November and December.