worst nightmare

MFC is the worst My mom is financing a car with them whom we share as we stayed together and shared household expenses now the bank has a problem with this the account was in arrears (not even 90days )and we contacted the bank for payment arrangements they just rocked up at her working demanding the car or payment she told them she doesnt have the money i than contacted the collections agent who freely gave me personal info on teh account without POA document so how does POPIA apply here now we were contacted again and told to give the car back we don't want to now they are forcing us to give it back to avoid legal fees i don't care about that i will deal with legal fees how can they force us into doing anything we told them not to come to her work again but they are forcing they don't have a court order to take the car as its not 90days in arrears and they dont want to accept payment plan why not what makes them different we all face financial problems and im not saying we dont want to pay the car we want to but we want to make arrangements they keep saying we are making arrangements but we havent as they didnt even give up the chance to do so furthermore we see that they gave us R10 000 amount to spend on car but when i asked what it can be used for i was not assisted so is this all a lie my car is due for service and i want to use that amount but i cant so what it that used for can they not take the same amount and cover the arrears ????? or is the R10 000 just a made up story so we can take finance with the *** bank like them im sending the collection agent emails no response Genuis Mahlangu and Jinette from the outsourced company probably gave me a incorrect number to contact her so what to do now im specchless