Help

Two years ago my dad passed away, cut a loo oolong story short I've been paying for the said vehicle for the last 2 plus yrs. During covid I had a bit of a slip an couldnt pay full amount, now wesbank wanna repo vehicle. I've been to their head office twice to try make some arrangement only to be told they still working from home that I must send email which I did but am getting no reply, the only reply I'm getting is attorneys on my back. I don't know what to do as I'm not getting any joy or anywhere with this matter. Plz I DONT want to lose the vehicle as ive paid so much already, an I cannot believe that Wesbank would rather repo instead of coming to some arrangement.