Cancellation of contract

I contacted the call centre to cancel my contract because I couldn't afford it anymore. A lady by the name of DumI told me that I had to pay a cancellation fee of 400 per car. I had two vehicles covered with them. Problem is I was never informed about a cancellation fee nor the amount I would have to pay. I requested the recording which they refused to give me and to top it off the fees had increased because they say there was a problem with their accounts department. They sent me a transcript which was not mine where they state I agreed to the higher amount. When I asked them for the number of the sales person I spoke to they refused. An now they threatening to list me as a bad payer. I will get legal assistance regarding this matter