Very disappointed

On the 25th and 26th of May, I called MFC because I reverses a payment and I was told it has not cleared on their side I must call within 3 days, I did and still it did not show and I had to call them again by Thursday. Today I get a call from them and I was given only 2 options, to settle or to pay 50% with my normal instalment. I asked for a better and lesser arrangement and I was told there are no other options. Imagine this unprofessional individual telling me to settle the car or to get a cheaper place to stay in or change a car for a smaller and cheaper car. how do you sell the car that belongs to the bank? So unfortunately they can't assist with any payment plan because they have assisted me before I need to settle. It was like this agent was not interested in helping me he just wants to reach his target for the month, I pleaded to split the balance over 5 months but refused says he will send it to legal and obviously if it goes there it will be repossessed, I am not fami**** with their processes but they need to stretch all their options and see which 1 is suitable and manageable for both MFC and me. The way I see this agent wants my car to be repossessed because he was not willing to help me. For 3 years I have paid for my car I have not asked for a reduction or relief or skipped a payment and still even when I asked for it, he can't assist he wants me to settle, which means the repo rate and inflation mean nothing to him he just wants to reach his target. I am highly disappointed that MFC treats its clients like this when they are in need why can't they assist with a suitable arrangement? I really need a reduction or relief or else I am going to lose my car because it is hard currently.