Need the vehicle back.

Hi, I have am financed by MFC from April 2021 for a Renault Kwid. My first instalment was to be on 26 May 2021 for an instalment of R3100 per month. Early May I phoned requesting them to debit R30 000 instead not aware that when the debit date arrives other debits would have used a portion of that amount and I would not have been paid salary yet. The debit then bounced and I was informed 5 days later that the debit did not go through. Now I only had about R20 000 in the bank which I deposited on the 31.05.2021. This week on the 09.06.2021 a guys from MFC came and collected the vehicle saying they will keep it for storage as my account is in arrears of R10025.00. I could not understand as R20 000 has been paid towards the account and I only had the vehicle for one month with me. How can it be in arrears for 3 months. Same day I did a cash payment of R4700

Now yesterday 10.06.2021 when I phoned to query that if I make the full payment will I definitely get the car back and the responce I got is shocking. I was told that the contract is cancelled and I need to pay R23277.64 for me to get the vehicle back. I mean how is that even possible, I paid R24700 already for a vehicle I have had for one month and now this.

Can anyone advise on what to do, I am very frustrated.