Money making scheme

For the past 2 months I have been harassed by ABSA VF. They called request I send them my proof of vehicle insurance or else they will insure the vehicle without I consent. Apparently the agreement I signed stated likewise funny enough there is nothing like that none the less I have been sending my proof of vehicle but they still continued to insure even after all the mails I sent.

Now they are harassing me saying I owe them 2 months worth of insurance and threatening to repossess my vehicle and my account is up to date and I've never missed payment.

If this is a scheme to enrich them I will not be paying their insurance and they need to remove the debt they incurred on my account as I am not liable for it.