Unfair and Bad Treatment

As person when you buy a vehicle it is assumed that once your car is fully paid its yours and you are entitled to everything relating to the vehicle, but I was shocked to hear that even if my vehicle warranty has lapsed I'm forced to do business with franchise for problems relating to my vehicle even though I dont afford to. As the owner of a 206 peugeot 2004 I lost my key so I visited the local branch after I was request or advised to do so by a local locksmith willing to do the key ang programming at R 900 but need a pin for the key, so I went the Nahoon branch where I was assisted by a guy and he informed that they can only assist if I used their services which costed me R4374, being R3474 more than what I was quoted and the fact that my salary is half of the amount ment nothing to his and he made me feel that I was not worth driving the brand, I have been without a car for three weeks and the car has already been damaged by theives back window broken. Could someone assist me because this is sad to exploit someone who does have the money for an older module car