MFC Arrears trap

I have requested for a payment relief for my VAF and was declined twice even after telling them im financially constrained for the next two months due to an unforeseen contribution i have to towards a family event. But they said they only allow if you have to settle a medical bill, i have emphasised that i will not have funds towards my car payment so they prefer us being in arrears than helping or arranging in advance. I know Banks that are able to assist in such circumstances unfortunately i went with the wrong one.