Disgusting service received after 4 years

I am extremely disgusted with the service from Standard Bank Vehicle and Asset Finance. I was behind on a few payments due to retrenchment. I tried contacting them several times and said that the matter was moved to the collections department. I tried calling the collections department many times to arrange payment, however i was always transferred from ext to ext and finally cut off after holding on for +-5 mins at a time. I received no summons or any calls from the collections department at all and on the 10th January 2020 a guy named "Jan" from the collections deparment (not a sherriff) came to my premises and said that he was there to collect my vehicle on behalf of Standard bank and the full balance of R130 000 was due immediately to get the car back. We asked him to give us a chance to contact the bank and pay the arrears, however he refused and said he needed to take the car immediately and we were supposed to drive the car to storage at Nandi Drive. Not knowing our rights we voluntarily surrendered our vehicle and now Standard Bank have evaluated the car and are demanding a payment of R68 000 in order to get the car back in 10 business days or the vehicle will be auctioned. We hav paid for the vehicle for over 4 years and this is absolutely unfair as there was never summons issued and we were never contacted by Standard Bank or the collecctions department. We have another vehicle financed with Nedbank and we did fall short of payments, however they gave us a time frame to settle the arrears which was done. Standard bank is pathethic and i will never ever recommend anyone to bank or do any sort of business with them. NO SUMMOMS AND NO SHERRIFF TO PICK UP THE CAR - IS THIS EVEN LEGAL - Unhappy Client.