MFC NEDBANK AREN'T INTERESTED IN HELPING CLIENTS, JUST WANT MONEY MONEY MONEY

I have had a vehicle loan with MFC since 2012, I bought the vehicle when I had my own business, my business however folded, I continued however to pay my vehicle, my payments are ****ing me. I was unemployed for about 2 years yet I still made plans to pay my installments. I finally got my old job back working for the state, I earn a very poor salary, I still continued making payments, I got divorced and had to move out of my house, now I am paying rent, maintenance, school fees and MFC, I just can't do it anymore. The book value on my vehicle is R121 000.00, but because I looked after my vehicle I managed an offer of R130 000.00 for my vehicle, which in itself is pretty impressive. My settlement is about R170 000.00, I asked for a special settlement but MFC won't give me R1 off? I understand they are a financial institution and must make money buy I have been paying this vehicle for 5 years, they have made plenty on me, if they don't want to help me I will have to give the vehicle back, this vehicle might get R80 000.00 at auction and I will be liable for tbe shortfall. But I have nothing. MFC IS HEARTLESS, RUTHLESS AND INCOMPASSIONATE...