unreasonable and unhelpful

I bought my car through Wesbank in 2012 I have 14 months left on my bakkie, I have issues at work were we have been put on short time so I have lost half my salary now the work is trying to *******ly fire staff, I have a lawyer dealing with this, I have tried to speak to wesbank but the collections department dont answer or phone back if you leave a message, I have always been a good payer till my work issues started, now I get harassing phone calls, to then I get hold of wesbank they say I must get a letter from lawyer to give this agent the lawyer even phoned the agent, the agent wanted letter by Friday he got it Thursday afternoon, to him still arriving at my house loaded my bakkie tried to force me to sign, where I refuse to im just over a month in arrears I have tried to ask for help and no one will assist I pay what I can afford weekly, but still get harassed and phoned by these rude agents. consumers also have rights and only after 4 months can you physically reposses, there was no attachment for my vehicle and I just ask for help to come to some sort of payment arrangement. I have never been treated so badly.