Truly DISGUSTED!!! Really ANGRY!!!

When I logged into my banking this morning I saw that an amount of over R300 was being attempted to come off of my account from credit-genie. I did not sign up at all to have this amount debited. To make matters worse, I don't have a job and had a - R amount on my cheque account. So the debit order bounced which 1. Will now affect my GOOD credit rating ( being a credit lending company - credit genie) and 2. My bank charged me about R150 for the bounced transaction. I am almost very ready to take this company to court.