Westerra Credit Union has put forced-placed auto insurance, for an additional premium, on my car loan, even though I have car insurance since the origination of the loan an dit has not lapsed. I've been to my insurance company, Colling Insurance, THREE TIMES and they've sent Westerra copies of my Progressive auto insurance. They still won't drop the extra fee. I try calling today, and my calls are disconnected after the initial automated message. What recourse do I have?