Debt Collector Harassment

This debt collection consultant from Field Collections TaxiResq named Willem Pretorious was assigned by wesbank to colled my car arrears. He has been harassing and threatening me and my family nonstop, when I try to explain why I missed 2 months of my car arrears to him and his other agent Melissa they both dismissed, belittled and talked down at me. The racist tone was the worst of it all, i told them I'm trying to make a plan as my salary has been cut and all travel allowances have been stopped due to covid and they simply said its not their problem and they are coming after me. I have never missed payment of my car since I've been with wesbank for 15years, this has been a very tough and daunting time for most of us but the credit collectors are just making it a nightmare. They gave me a day notice to settle my 2 months car arrears and threatened to hunt me down even after I paid the monthly installment and tried to get a bit of money to pay the arrears. How do I even get a loan when my credit record is so bad.