Farmers Ins. charged me for home owners, auto insuranse on a home that did not close Mobile Alabama

last july of 07 i was attemnting to close on a home i was told by countrywide mortgage to insure home preferably with farmers to get the best deal haha ive used aig for a number of years but reluctantly i bowed down to broker in hopes to speed loan process
knowing that the market was on the bubble.... after changeing all my autos to farmers and ruining a long friendship with aig ins. missing a days work doing so. i went home that night to watch on national television countrywides bankruptcy in action my loan did not close at 3 pm the next day as promised. i immediately called farmers ins to cancell policy
they avoided me ,billed me pro rated me screwed me, for 605.73 for one days insurance
ever call was rudely answerd,ignored,put on hold, repeated threats were mailed to me

now a year later ive a ding on my credit for 605.73, still a rash of threats , they offerd to settle with me they said they would knockoff 40.00 hahahahahahaha! well thank you buddy
i know i cant be the only person they have screwd.. and ive never heard of cars an houses mandentorly being insured together. isnt this our rite to insure as we wish.as long as it is properly insured so in short no loan, no house,no farmers ins, bill for 605.73 for 24 hours of insurance is this rite or have i been had

Dane
Jax beach, Florida
U.S.A.