Cartack-a bunch of ***** that overcharge clients that do not want to sign new contracts with them

I have been a cartrack client since March 2016 and have always paid my premiums on time every month. There was a mistake at my bank where they could not debit for a couple of months. I called them to ractify that and they continued to debit after that. I was then involved in an accident and my car was written off on 01 Decrmber 2018 and I notified them of this and they gave me settlement offers and I told them I don’t have the money they were asking for at the moment and I will get back to them when I have it. So as of 01/12/2018 I did not have a car. They then sent me as sms in January telling me to pay more than what I knew to be owing them. When I called them to enquire they told me they billed me for December and January because I didn’t pay the amoumt they had told me to pay when I called them so they didn’t cancel my contract. I told them I WILL not pay for December and January as there IS NO CAR TO TRACK!! I still maintain that today: I WILL NOT PAY CARTRACK FOR MONTHS THAT I DID NOT HAVE A CAR. They are only doing this because I refused to sign a new contract with them because I have never been happy with cartrack from day 1 and I would never subject myself to another 3 years with them I would rather find another tracking company.