I had enough on this **** finance called circle finance

I've app**** for loan in April and it was not approved but they keep on sending SMS that says I must not reverse money back to my account they keep on changing their reference to get into my account they deduct R200 on the other month they take R190 and I've not even receive any amount of money from them I don't want them to take any money from my account anymore because I don't have any loan with them they even threatened me if I reverse the money they will blacklist me