African Bank is a ****** *****!!!

I have been unemployed for some time now and the other day African Bank consultant phoned and said I need to make my payment on my loan of which I have explained that I was currently unemployed and the consultant insisted that I could pay as little as R50 and I still explained that I do not have any means of income and after that call whenever I get funds in my account it doesn't matter what date of the month it is, they debited the R50 that I DID NOT AGREE TO, I would then reverse but they would still debit whenever I funds get into my account. Since I have been reversing , African Bank has now changed it to debi-check of which I cannot reverse and DID NOT APPROVE. I want the debi-check cancelled and my money refunded!! ****** *******!!