Peoples Credit Union review: Car loan

I arranged payments to be taken out of me account. No payments were taken out in Jan and Feb. However in march and April they were. Then in may it was taken again. I was in hospital getting a life saving triple bypass fighting for my life. When I got home the credit union came to repo my car. They said they tried to get ahold of me which they did not and couldn't of anyway. I tried to make arrangements to pay arrears even though it wasn't my fault. They said that I couldn't unless I paid loan in full. I was not really 3 months in a row and our agreement was to make on the 3rd of month which they only did in march and April. Can they legally do that?