Clear my name to XDS?

I bought a car in March 2015,the sales person asked me if I want a tracker,I said no,the tracker debited my account anyway,they even increased the premium whilst they were at it,in 2017 February I had an accident and my car was written off,in March I called them and ask them to stop debiting my account,they told me I have a contract with them,I refused because I never had any verbal or written agreement with them,they said the will investigate,in August I called them again because they were continuing to take the money I have worked so hard for,they said the vehicle dealer made an agreement on my behalf and they also gave them my banking details for them to debit my account and I knew about this,is this even ethical,doesn't it go against consumer right,in September i went to the bank and stopped them from debiting my money,I just received a massage that says Tracker has reported the non-payment of my account to XDS,please clear my name before I go forward with this,I've heard it with this ****** ****** .