Wesbank is Sh***

I'm really not happy with wesbank I had a problem in February 2023,I wasn't getting my full salary so I called wesbank to make payment arrangements and requested that they drop the instalments and extend the months of payment of my vehicle or if possible freeze the account for at least 3 months until I'm sorted with my financial issues but now of that was accepted. They said I can only arrange payment once I'm in arrears well I was in arrears 1 month I made those arrangements but they didn't give me an option still to drop my instalments instead added 2500 on my instalment. I haven't been paying due to financial reasons. Now I'm trying to negotiate my payments but they are not allowing me to pay my arrears over at least 6 months they want it paid 100% and still pay my full instalments of the vehicle I told them I don't have that money I just started a new job another option they gave me is voluntary surrender but I still want to keep the vehicle cause I need it I just want payment arrangement that will help me just for only 6 months at least but no they not accepting they want to repossess the vehicle. I don't have the 30000 cash to pay the arrears and still 7400 for the instalment. I'm just not happy and I feel I'm been treated unfairly cause I tried to make arrangements but none of it is accepted what do I do in that case. I can't pay a shortfall of the vehicle which is more than the arrears all I just want is them to reason with me pay a certain instalment that I can afford for now for 6 months then start paying off as agreed on the contract. They making my life very difficult. I regret having wesbank finance my vehicle in future I would never ever if it was MFC they would have arranged an affordable payment plan for short period.