LOAN APPAIRS BUT I'VE RECEIVING IT

I AM VERY CONFUSED CZ I DIDN'T GET ANY MONEY FROM ELITE BUT WHEN I CHECK MY CREDITORS LIST .I AM SHOCKED THAT'S I OWN THEM MONEY. HOW BECAUSE IVE NEVER RECIEVE ANY MONEY FROM THEM

PLEASE ASSIT ME TO FIND THEN CZ HOW I CAN PAY THE LOAN I'VE NEVER RECIEVE