******* deductions and applications

oct 2017 these companies *******ly deducted amounts from my account, costing me R35 per debit order return, my account is in negative state and has caused me bad business, these people did not even refund the money and have a bad attitude on this, well today 16 feb 2018 they once again sms me to welcome me on the above companies preparing for debut orders once again, someone is *******ly doing this on our id and bank accounts so that they can achieve commission and now I need to take them on......DONT DESERVE A FLIPPEN STAR RATING......