J2 Solutions - How do I deal with them?

I took out a car loan with yes car credit and little did i know exactly what i was signing for i did agree to have all their insurances by signing whatever was put in front of me - incase i wrote the car off, incase i last my job etc. - I did lose my job about 6 months later due to depression (which the insurance policy did not cover!) I called them and explained the situation and they told me to bring the car back which i did before i'd even missed a payment - i thought that was the end of the matter but then i got a bill for 6k for all these insurances I'd signed for unknowingly (yes i know i should have been more carefull about what i was signing but we'd been up in this office all day been passed around from pillar to post and although i knew roughly what these insurances were for they wasnt explained properly and nor was the total cost of them and surely these proffessional high profile company was all sound and so helpfull they wouldnt be charging me for something i didnt NEED to have - wrong) I tried to work out some agreement with them to pay it back as by then i was out of work, single (i'd just split up with my husband) and still sufering with depession but they was quite adament that what i was offering wasn't good enough... they even offered to cut me a deal saying they'd knock 2k off if i paid large lump sums. Which i couldnt do. I then moved a few times and so didn't hear from them and of course i didnt contact them and yes i know i should have sorted it out but i begrudged paying this 6k for absolutely nothing - i didnt miss a car payment, took the car back as soon as i knew i wouldnt make the payments and didnt even claim on the insurance policys that didnt even help me when i needed them to. - Yes this is me trying to justify why i want to avoid these people because of the 1st posting.