MFC not wanting to Make arrangements are Vehicle has been Repossessed

I was Contacted by MFC stating that my Car is in there possession and they sent me a termination letter in order for them to sell the Car at Auction. I have explained to them that I went through a financial crisis due to Covid and now I am back on my feet and I am able to make the Instalment, I asked if payment arrangements can be made to pay off the arrears so i can get the car back but they response I got is I have to pay the full outstanding amount with the Charges in order to get the car back and that was it. This is my second vehicle Purchased through MFC and i am willing to sent through my Payslip to prove that i can afford the Car and make arrangements to pay because they are going to Auction the Car and get much less than book Value and I will Still be Liable to pay the Balance so why not just make arrangements with me to get everything sorted I'm sure they can extend the contract to accommodate for the arrear amounts