Dealing with Collection Agencies

Scjaz, you need to talk to the manager of the insurance company with proof of the letters that have been sent several times. You can hold the company tightly if your point is clearly understood by the manager and they will revert the charges back.

Green Point Credit is who the loan/billing is through. I've talked to the so called manager of the Collections & Customer Service department til I'm blue in the face. They either can't or won't explain how they came by the charges. I don't know who to contact above them, they tell me there isn't anybody else I can talk to.

There might be some legal aids who offer free counseling in your area. Talk to them and see if you have a legal stand against this company. If the discussion sounds well, you can approach an attorney and make your case stronger.