Blacklisted

I was for three months without work, so wesbank wanted to collect the car , but they didn't, they said I refused to hand over the car which is not true. I was R4377 behind , the legal department of Wesbank told me I must at least R3000 in to Keep the car. I made arrangements and payed in R2700 , the next month ( December 2014) I couldn't pay because I was on Probation, so I was R3215 ( 2 and half months) behind. They didn't complain at all, Feb and March I payed R1500 in to see if I can bring the amount down. In the end of Feb I received a letter from a attorney, saying that I have received a registered letter on the 15 of Jan (which I never got), stating that I must pay the full amount that is outstanding. and now 1 April they called me, and told me my contracted has been cancelled , and I must pay a full amount of R73 000 to keep the car, they car fetching the car tomorrow on 7 April 2015, I lost my car and +- R64 000, and I'm Blacklisted , FNB and Wesbank never gave me a freezing period at all while I was without work. I have loans by Africa bank , why do they give freezing periods but FNB and Wesbank dont , why do wesbank say I refused to give the car? what must I do ?