cant close edgars account g

I closed my account about 5 months ago , I paid what the account dep said I must pay and then 2 months later I get a bill for RE97 for something I did not approve and they have no prove that I sighned up for , a lady in accounts said its for insurance or something . I have called many times and have any ref numbers I have sent many emails and have replies that state they have escalated the matter but that was 2 months ago , I get daily calls with threats from collection dep . no one can help none there cares they expect us just to pay , I don't even have a card anymore so I cant pay . I was told if I want to pay just to get rid of the hassel I need to apply for a new card then pay then cancel that is stupid . im sure edgars does this hoping that clients just pay if they do this to a million clients that is 97 million rand . please can someone from edgars help /