**** and *****

My account was debited without my permission by Loan tracker, saying I entered into an agreement with them and I never signed any documents. i went online looking to apply for a loan and I never processed an application. They kept sending me messages to complete my application. Next thing my account is being debited. I sent them an e-mail to cancel the service, and they charged me for reversing the debit and the service. Now i'm getting threatening e-mails from lifestyle legal about summons and being blacklisted. I send them e-mails and they never respond instead they keep threatening me. Please help I don't know what to do. I don't want to pay them and then I end being blacklisted in any case.