Accounts is a waste of money

Good day. I opened a Mr price account last year and got R400 credit at first ,so I took clothes on credit that was R370. The same day Mr Price called me about insurance and policies and i took it out thinking it was a good idea and it didn't sound expensive. The first month I paid R260 and after paying that my slip says I don't get credit , the next month i paid another R260 and still no credit. i didn't want to pay anymore because i was unhappy, I wanted to close the insurance and policies, but every saterday they would say i must come during the week. During the week i go in my lunch that's the only time i have off, than they would say the person working with accounts is on lunch. I never claimed any insurance or policies and that is why I don't feel like paying that anymore I already paid them R520 while I only took stuff of R370. They hand me over to a lawyer, but I refused to pay for things i didn't use i work too hard for my money. I have other clothing accounts like Truworths ,Rage and Identity. If i was a bad payer than my other accounts would have been behind with payments also and that shops are more expensive than Mr Price, but I pay my other accounts with a smile because I know what i pay for