Still paying Tracker even though I no longer have the car

I firstly inform Netstar that I was retrenched in November and I told them I want to cancel the tracker because I am selling the car. The suggested to decrease premium. I call Netstar to cancel my account again last month since when I do not have income they said I should pay cancellation fees which I do not have , I do not have a car and income. I am single parent huslyin to make means for me and my baby and my mother. I was a breadwinner at home. So now every little money coming in I need to make the best of it. I was paying Tracker with my UIF money now I recieved the last payment I need to use that money widely. When I call they take me from pillar to post. And the sometimes do not respond to their emails.