MFC worst company ever

We sent numerous requests to MFC asking for a 3 month payment holiday as my wife had lost her job and I am the sole breadwinner with 2 kids one in school and one in varsity. This was in May.This is a heavy burden and I needed 3 months to sort myself out which I have done and willing to pay from end of August. I have continued with my comprehensive insurance on the vehicle. I paid 11k this week and tried to make arrangement with Sizakele Ndlovu who was so rude. She doesn't answer her phone or emails and refuses to listen to my situation. How can I pay 21k arrears when I am a sole breadwinner she says they will repossess my car .how will I get to work then. MFC has been so unhelpful and not willing to assist from beginning when I told them my situation. I am so disappointed with service esp of this lady. She has caused me so much distress that I cannot even concentrate on work as she said they looking for my vehicle and will take it until I can pay