services not wanted at all

Loan choice Sa- I don't know who they are but they emailed me that they are taking me to lawyers for overdue account. I have done this loan choice thing on line but I have cancelled their service with them before it even started but they say they have tried debiting from my account and now they have sent me to their legal department whatever it is. I am not going to pay for something I have cancelled a long time ago. they are harassing me and I am very unhappy because they are creating a bad thing against my name. I am very unhappy because of their harrassment I wont pay for what I had asked the lady to cancel because a consultant called me and I had explained to her that I do t want it any more she must cancel it definetely she didn't I am angry they must stop harrassing me because I wont pay for what I don't have and didn't use nor receive services for Loan choice Sa is a bad company