Collision and unauthorized credit card use

When I rented a vehicle, I took out super or extended insurance cover. I was advised that my excess would be nil; and that cover would only be disclaimed in each of the following instances: racing; taking the car outside the borders of SA; and driving on a gravel road. I had a collision in the vehicle and duly advised Woodford ("W"). Without inspecting the damage, or learning of the circumstances surrounding the collision, I was told that I had breached a material term of the agreement. When I asked what term I had allegedly breached, this could not be answered. W demanded that I put the vehicle on a flatbed truck and return it to Durban at my expense. I refused and stated that this obligation wasn't sourced in the agreement. W then proceeded to put R24,000 through my credit card without my permission; at a time when it knew that I had disputed liability. I immediately phoned my bank and advised that my card had been used without my permission. My bank agreed and found that W had used my card without authorization and declined the transaction.