Unpaid maternity leave

I have been a loyal customer with wesbank for many years....recently I was on unpaid maternity leave and I emailed and called wesbank with regards to my situation as a result my account is now in arrears for 30000 which I cannot come up with straight away. I emailed wesbank again to ask for an extension on paying my arrears seeing December is around the corner.wesbank refused to consider my request reasons given I did not take their calls and against the contract.they asked a field agent to repossess my vehicle which I had for 5 years come January.totally disappointed. Is there any way I can get any help going forward.thanks