ABSA INDIRECT INSURANCE

I bought a car from ABSA in April 2015, I told them I have my own insurance which I sent proof of insurance to them but they kept adding their insurance cover on my installment. I sent them email to tell them to refund me, in April 2020 they refunded R6150. They charged me R1065.00 for five years, the total amount was about R63900.00. They told me that the rest of the money was paid to the Dealership, I asked them to send me records indicating that the money was paid to the dealership, I am still waiting. How do I pay them monthly installment while they owe me money?