Legal Question in Consumer Law in Michigan

Gardner white insurance-credit life insurance scam ?

I purchased gardner white furniture in 2005 and I signed I did not want the insurance that was optional. he had me sign in two places and I told the sales manager I do not want the insurance and he crossed the ''no, I do not want the credit life insurance'' part out. I never got a bill a bill from the credit life insurance until 2 yrs after I bought the furn, $279.00. I called and complained and explained what happened,,,,so they told me they would refund the total amount. I did get a refund of $25.00 dollars instead of the entire amount. I am taking them to small claims court because nobody is helping me out with this dilemma. When I do call and try to resolve this issue, the furniture place says they cant help me, the credit life insurance company cant help me after repeatedley calling them. I was told I cant sue for Fraud. what other words can I use that would be acceptable instead of using the word ''fraud''. Any other advice/suggestions would be very helpful. Thank you in advance for your time.

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