I paid for a policy for the first month, on a car ...

I paid for a policy for the first month, on a car that I never had possession of. When I was told that there was an issue with the car, I called Gainsco insurance company immediately. They told me in order to cancel the policy, I needed to send a letter via email to them from the dealership stating that I ve never had possession of the car. After I did that, I was then told that I needed to have the letter sent over again, this time in PDF form. Unfortunately the dealership was unable to send an acceptable email so that I could send to Gainsco, I sent the 2nd emailed letter to them anyway. They wouldn t except any of the forms that were sent to them. I was told that if I canceled the policy without the letter, I would be Charged against what I paid for the time that I was covered, plus my states 10% penalty. The Representative told me that he did not know how much the remaining balance to me would be at the time. He would not know that amount, until after the policy was canceled. I went ahead with the cancellation, and then was sent a letter for cancellation, no check for the remaining balance in sight. I called Gainsco auto insurance back, to let them know that I received a cancellation letter but nothing stating what I would be refunded. I was then told that I was charged what I paid, +10% for my state s cancellation penalty, but the 10% was charged against the six-month policy, not the month of coverage. I was also told that I would have received an insurance jacket , explaining the cancellation terms, something that I ve never received. They had me on hold for almost an hour, probably hoping that I would hang up. I asked for a recording of that conversation, stating that I was told I would be charged 10% against the 6 month policy. I was then told that regardless of the conversation that was recorded, even if it was not mentioned, that I was sent the insurance jacket, that would have explained it... And there was nothing that can be done to reverse it. They are THE WORST!!!