poor customer service at capitec bank

my name is Ivy Ralubuvhi am a client at Capitec since 2003. I've app**** for a loan at capitec in 2010 hence by then I was banking with capitec they debited their money and they stop debuting I thought they 've finish coz the was always money in my account and capitec is the first to debit as am using their bank and getting paid there. I was surprised to receive call from lawyers for legal action that I owe 1600 from capitec and I've asked why coz I didn't run from the bank and I cannot despite their debit order. I want to know why capitec did this to me as a reliable client and am still banking with them since. am so disappointed with their service is very poor and now I can't able to get any loan either with them or other banks. plz help by resolving my query and I want my name cleared.