Pathetic service

I have been paying my car, defaulted at some point but brought it to be up to date. then last month I missed a payment due to unforeseen circumstances after the passing of my brother, but I called to make an arrangement. for the 25th. and on the 26 I called to notify them that I did not pay because I did not get the payment but the payment will be made Monday the 31st of March. today the 28th I get an sms not even a call that /my account has been handed over to some lawyers and I must call to make an arrangement. What nonsense is this after I called, are they trying to get business for friends and milk us more money because there will be added fees and what not, charges for calls an SMS. I refuse to make an arrangement with those lawyers I will pay Westbank on Monday as I stated when I took an initiative to call. what pathetic service and you regard yourself as the best no ways, you are just unprofessional lime most of the businesses. when you pay extra nothing is said