Insurance ***** by ABSA employees

Last year ABSA called me wanting proof of my insurance for my car which I bought in 2016, I didn't submit my paper work during their required period, next thing my car installment went twice as high, when I called them they told me that I was on their insurance policy, I was emotionally harassed by the bank for late payments as this affected me economically .I called them trying to cancel but they told me that I had to pay the amount in arrears before they could cancel. I'm blacklisted because of their car insurance policy that I never signed up for, as I didn't take a loan for their insurance why is this insurance included in my monthly payments for my car???? It's been a year and I still cannot pay, I'm tired of keeping quite I'm a customer I have rights and this is ******** as per customer act law. I need this insurance reversed since last year who gave u permission to debit into my loan account for insurance money in arrears?