Delay Tactics until Repossession Imminant

I have app**** numerous times for a payment holiday on my Vehicle Finance agreement in light of me being unemployed for almost 7 months now. Every time I phone Standard Bank Vehicle Asset Finance to find out if there has been any progress on my application, I was told that the application was closed off on the system as \Incomplete"- citing a failure on my part to submit the relevant forms and documents (which I did!)"