Arrangement on ballon payment

My mom has an outstanding balloon payment of R59000 she has been paying of a monthly basis however the bank is threatening to repossess her car saying she either needs to finish the balance is 3 equal instalments or 6 instalments which she cannot afford.She is now self employed as can only manage to pay R3000 monthly towards the balloon payment..she has had this account frm 2013 and has always made the means to pay the installment and now that the balance is so low the bank is not being considerate of her situation.The bank had requested for her to make a motivational letter in October 2020 in stipulating how mch she can pay and she submitted however recently in Jan 2021 she is being overwhelmed with changes that what shes paying is not enough.We have sent emails to the agent who was assisting her to give grounds on why the arrangement put in place have changed.. however no response .This is really of poor service delivery and not being able to value clients and being considerate to their financial situation.

I requesting that someone urgently contact her on her contact number ***(Barbara,) as this is affecting her health tremendously in order to have a suitable payment plan as she is willing to pay the outstanding ballon payment