Terrible Service with Threats

<p>I have been getting emails from this people saying I should pay R1057.00 within 24 hours the problem is that I dont have any binding contract, I app**** for a loan with Loan Tracers which I ended up not taking and then they started debiting my account for a service I know jerk **** about now all of a sudden I owe this people for legal fees. So I have asked a numerous times for them to do a payment arrangement but no one gets back to me the call centre is actually very useless but instead I keep getting threat emails </p>