Loan choice ****

I first had a debit of more than R300 and I thought it was a ****. I called my bank to reverse it. Then nedbank gave me the details of the company that took money from my account. I called and asked them why did they take money fron my bank account without my permission. I dont remember signing any concern form or giving away my banking details to them. nor signing any documents,But they just tald me about an online application and failed to explain further. I mean what service or product did they offer me? Right now they are debiting my account again again and threatening me, they still can't explain how do I owe them. I don't think that's legal, if I was really their client they would explained and send me a contract signed or an agreement to prove that. I want to sue them for debiting my account without my concern. How do I pay for something I don't know or understand does the credit act permit that? when I call their so called lawyers they don't answer and when I send emails they don't reply Please note the messages they send on a daily basis: Dear Mrs Sindi. Ref ********** 186251 you are in arrears with your account which is a material breach on your part to comply with our service mandate and agreement entered into. You remain liable for all amounts owing to us in terms of the said agreement. Kindly make payment within 24 hours to avoid being handed over for legal collection. Loan Choice SA, ***SUMMONS CONFIRMED: Dear MRS SINDI your Summons has been drafted and will be issued by the court shortly. Failure to make Full Payment of your account within 24 hours will result in Court action. Your Ref# ********** 400811 . Email: ********** LIFESTYLE LEGAL