Finchoice loan

I take out access facility at Finchoice so in 2021 my account was paid up. I didnt hear from Finchoice for almost a year to inform me i owe them money in September /October someone called me with from finchoice regarding a funeral policy which i decline at the end of that month i see a debit order from them in my account i reverse the funds because i know i dont owe them and didnt take up the funeral cover. So from that time they start harassing me about payments. Everyday i get almost 7 calls from their rude consultants who drop the calls when i answer? One of their decent consultants inform me in March there was an amount of 89 rand place for a debit order and because i reverse the funds the account was triggered they going to make a note on the system for the Collections department to call me back which never happens. All of a sudden i was hand over to the debt collector for R141 i send a mail to the collections dept with no response i even inform the debt collector about the situation which he said he understands and will make a note for the client. Now all of a sudden im be threatening by the lawyers for being summons if i dont pay the amount. My question to these bunch of ****** are why did you put a debit order order on my and why was my account not closed in the first place. The strangest thing of all while they had hand me over they still send me offers for loans why on earth. As i saud previous im not gonna pay im waiting on your answer in writing si that i can consult the ombudsman