EASTWEST Behind 3 months car loan

Hello po
Anyone can help me po?
I have a car loan with eastwest which is 3 months behind. Now may legal email akong natanggap from 3rd party na nag de demand to pay the full loan or surrender the car. I ask kung pwede bang bayaran ko na lang yung missed payments at any fee involve,ang sabi ay they need to reposses the car first before i can submit a request for reconsideration.
Nung makontak ko yung collections department ng eastwest, pinagawa ako ng letter of request for reconsideration at hinihintay ko yung outcome nya.
Bakit ganun, yung sa Senior Legal Account Officer nung third party iba ang sinabi dun sa mismong collection officer ng eastwest? Dapat ba na ang eastwest directly lang talaga ang kausapin ko na lang?Pano yung bantang reposession nung sasakyan kung hindi ako makapagbayad ng full amount na mahigit isang milyon. Yung loan ay nakuha ko lang may of this year.
Pwede bang maglagay nako ng pera dun sa account para alam nila na genuine nman ang intention ko to bring the account up to date?
Ano po ang dapat kong gawin.
Any comment will be appreciated.
URGENT po.

Hi ,

I have a same issue. May I know what happened to your auto loan?
Did they still repossessed your unit?