Shocking handling

Unemployed for 8 months so I fell behind on my payments. As soon as I got a job I caught up the arrears and continued paying, no issues. When the contract came to an end I repeatedly tried to finance the balloon amount with you...for months, and no one got back to me. I never stopped paying monthly (roughly the same as my old instalment). You handed me over to attorneys and point blank refused any arrangements besides "proceed with legal action" (your one-line response, verbatim) - I budgeted that the balloon amount would've been paid up in October this year! Now months later, without notification, you repossess the car. The whole thing just feels so underhanded. The response from your attorneys was "you have to pay the full amount as my client is not willing to make arrangements', no other information - no next steps, the legalities, implications, etc.