Car Credit Complaints : yes car credit insurances - Car Credit Complaints

hi

i have cancelled my car payments and told yes car credit i am giving the car back they are fine with this and have told me where to take the car.

but they are telling me i can not cancel all the insurances taken out although in my contract clause 4 it says i have the right to cancel these at anytime they are telling me that only applied to 14 days after i bought the car.

they are trying to make me pay £1105. do i have to pay this.
when i have told them what it says in my contract they have told me to get legal advice. i have been trying to get in touch with citizens advice over the phone but no joy yet.

also my car has a few scratches and small dents nothing major will they make me pay for this as it says in the correct i can return the car providing it is in reasonable condition. (not that it was when i bought it)!!

Jodie