When you receive any of the legal documents from section 129 to a Warrant of Delivery:
In some cases where you see that you are going to miss an installment due to retrenchment, ask the creditor if there is any linked credit life insurance on the vehicle. Most consumers are not aware that they have this policy as part of their monthly installment
Ideally contact the financial institution to arrange on how to pay your arrears and bring the vehicle installment up to date
If a creditor refuses to arrange, it is best you contact a Debt Counsellor such as DebtMap for them to make an amicable, legal, and binding arrangement on your behalf. Alternatively, you may contact NCR, or the Banking Ombudsman
If all other remedies available fail, then the last possible solution would be to contact a Consumer Attorney who will intervene and alleviate your situation