Pathetic service

What a pathetic service, I've been with mfc for 5 years paying my car and I skipped 2 months payment and mind you ,I'm left with 3 months to pay off my car and instead of adding that 2 months to my monthly installment, they are threatening to take my car,as we speak I'm waiting for some guy to come collect the car,without any written letter or court letter .I will never allow them to finance my car with them ,I'm even thinking to go on tick tok ND alert all first time buyer not to agree to be financed by Mfc