MFC refused me an arrangement on my account

I had a financial setback and my MFC account was in arrears cause I had to fix my vehicle I explained this to Nedbank and also provided them with receipts only to be told that I cannot make any arrangements and that I should pay all the amount due and legal action will be taken. I have never heard of this Nedbank has denied me an arrangement and they want to take my vehicle which they will probably sell for R20K since its over 300thousand km and I will still be liable for the rest of the balance, legal fees storage fees etc but they don't want me to make an arrangement on the account they have already added R1000 for handing the account over this is not the first time I am being treated unfairly by this bank a few months back one of their consultant left a message only she was not talking to me but was talking to someone else regarding my account she disclosed my financial situation to a person who was unknown to me without my consent I even sent an email to their CEO Mike Brown I sent the contact details time and date and I still have the recording where the consultant spoke in isiZulu disrespecting me I didn't even receive an apology from the consultant. I don't understand why I cant get a payment arrangement on my account this is very unfair and I will refer it to the financial ombudman.