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she

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5 years ago we got a car from welcome finance after paying for the car for 2 years my husband fell in and had to go on incapacity benefit we tried to claim off the gap incurance that we had taken out from welcome and were told we didnt qualify they reduced our payments and last year we were told we owed 1000 pounds when we enquired last month how much we owe it had gone up to 2700 i have asked for an agreement an havent got it from them yet i have refused to pay anymore untill i get a copy of original agreement we rang them today and were told we cant have the agreement untill we pay this months money in my eyes this is blackmail what can i do ?
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