Unfair practice

I purchased a vehicle on 23 February (late afternoon)and car track was added on. Something I didn't haveor need in the past as I do not drive high risk cars. However I took the vehicle back on 24 February(morning). Not even 24 hours and requested for this car track to removed from my name. I sent car track an email, no acknowledgement or response. I loaded a stop payment ect. The payment still went off. I returned this debit order. I am now receiving calls from the car track collections for a payment of a vehicle that I don't even have in my possession. Please make sense of this. Had I just changed my mind and wanted to cancel, granted. However this case is unique. I need a senior person to look at this. I can pay R169. However it is the principle behind how their clients are treated. Thank you !