ballon payment poor service

I laid a complaint regarding the Ballon payment last month about not being able to afford the amount they require every month Well nothing has changed I was called and advised to pay the amount I can afford which was what they suggested R2000 and from there i would have to call back and make arrangements to continue paying that amount When I called back , I was told that i was obligated to pay the amount they required from the get go otherwise my car will be taken away This is diabolical and unfair