Question about insurance
I went to pay my bill and it was five times the amount it was supposed to be for my car insurance. I called in and it first they said it was a mistake that it should only be the normal amount which is 300. Then they said that mistake was made and somehow I had two policies and that's why it was that much. I told them that it doesn't matter I just want to cancel my policy then and I'll go elsewhere. Lady said no problem and canceled it. I used 0 days of a new term. They said they sent me a letter but they sent it to the wrong address so I never knew about an increase.
Fast forward 4 months later it's been sent to a collection agency. I called them Bristol West and they said they cannot remove it cause they don't have the debt anymore.
I got insurance back then for way cheaper elsewhere I never use the insurance how do I owe them for another month of insurance. They seem like a shady company to just raise someone rates without telling them and then bill them for months they don't use.
They wouldn't provide me a letter or anything. What do I do. I got insurance right away elsewhere I told him I could show him that but they told me that because they don't have the debt they can't help.