I have app**** the for loan and it was declined

STATEMENT OF ACCOUNT<br> DATE DESCRIPTION DEBIT CREDIT BALANCE<br> 2015/08/03<br> Convenient Service Package - Activation Fee R399.00 <br> R0.00<br> 399.00<br> 2015/08/25<br> Payment Received from Client - Debit Order Payment R0.00 <br> R399.00<br> 0.00<br> 2015/09/03<br> Convenient Service Package - Monthly Fee R99.00 <br> R0.00<br> 99.00<br> 2015/09/03<br> Penalty Added to Account - Debit Order Failed - Dispute - No authority to debit R110.00 <br> R0.00<br> 209.00<br> 2015/09/03<br> Payment Reversed - Debit Order R399.00 <br> R0.00<br> 608.00<br> 2015/09/03<br> Account Settlement (1 x Month @ R99.00, plus 9 x Months Early Cancellation Pentalties @ R45.00 per Month) R504.00 <br> R0.00<br> 1 112.00<br> TOTAL AMOUNT DUE TODAY: R 1 112.00