They take money from your account

On their webpage they explicitly state that no agent fees are applicable, yet R 109.00 rand was deducted from my bank account by them. They also state that they comply with the NCR regulations. It is ******* to deduct \agent"fees if no contract has been entered into. please be aware if you plan to apply for a loan with this company.It seems loans are being rejected and they still collect their \""fees\"""""