I totalled my car and i couldnt afford the payment...

I totalled my car and i couldnt afford the payments. When i got my tax return i called back in to see if they would settle. First person i talked to arranged a 1800 dollar settlement. 4 calls later they're saying i pay 2000 and that no 1800 was ever agreed on. When i aksed them to pull the other calls which 1800 was agreed to the wouldn't. They said it never happened and when i argued they said i had to pay the whole thing. So if your found of letting people walk all over you and overpaying this is the finance company for you.