Standard Bank don't care

I have finance on my vehicle with Standard bank. I missed 1 payment and now my account is with 2 debt collection companies. There was no arrangements made with me to settle this amount. The only calls I have is from lawyers and financial services debt company to collect the vehicle.

I have paid my instalments thus far and on time.

They also have not made the necessary changes with the repo rate being reduced. I was told today they have a technical problem and it will be changed and then will be refunded says the consultant I spoke too.

We faced with the Coronavirus and banks made headlines saying they would assist their clients.

I guess it would only be only with certain clients. Why did they not say so in their media statements and briefs?

Is this how you treat your clients fair?