Santandar sent me to collections / harrassed me/ Gap company went out of business

I purchased my vehicle and paid for an extended warranty and Gap insurance.  Financed the vehicle under a different company that ended up being bught out by another company and at the end owned by Santander. 

My vehicle was stolen so I called Santander to let them know and asked what Gap coverage did they sale me so I can make a claim, they said they do not see it on my file and even if I did buy it they are now out of business. 

I said I did buy it at the same time of the extended warranty they said we dont see that you have an extended warranty I said yes you sold it to me and I have used it several times on my car.  They said well send us proof I said you never sent me the paper work on my gap and extended warranty so how am i able to prove it. 

I told them I refuse to pay them a dime as I paid for Gap coverage and have proof of the extra amount charged, I said if i didnt pay it then what is this extra fee, they said we dont know.  I said how much is your extended warranty and how much for your gap the prices they gave me were the same extra fee i paid. 

No common sense, nothing but rude unhelpful people.  To this day I have not paid them any extra it sits on my credit report and when i apply for a loan i have to explain and they say im sorry that happen to you, we will approve you for your loan request.  Shady Shady Santander.  Stick to your credit unions even if Santandar offers u a lower interest rate, you will pay in the end.