I need advice In last year in dire need i went to Sun Finance and took a loan against my car for R95…

I need advice 

In last year in dire need i went to Sun Finance and took a loan against my car for R9500.00. I have been paing it back every month but fell short in December and only made the payment now in January. I have alrady payd an amount of R17950.00 back to them and the remaining amount must be about R3000 to R4000. 

They have contact me to come and take my car away. I have asked them for a settle amount so i can pay it in one go. But i was told that my dept has been sold to CPL whitch i thing is part of Sun Finance and can only give me a settling amount once they have my car in there wherehouse (no explenation why) then only can i pay Sun Finance the amount they have agreed upon. 

I have told them that im not giving my car or the keys to anyone. I have also been at there offices in JHB this morning as per arangment with them. When i got there i was told that CPL will collect the car from me now and will let me know later what the settling amount is. 

My problem is once they have my car they are going to charge me what ever they want to get it back. I have not been served with any letters of collection of emails just phone call threting me that they are going to collect my car. 

What can i do? Need help urgently and dont have money to pay attorney fees. 

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