Be Careful for this company

I have visit their web page about 3 months ago to apply for a personal loan. I have completed the application but did not proceed with the application. They have phoned me 2 days later and I informed them that I can't proceed because of my financial status. After a month they have deducted money from my account without my permission. I have reversed it. The second month again but just a much smaller amount. I have reversed it again. Now they have threatened me with legal steps if I do not pay them. I just feel that they have not provide me with any service. Why must I pay them if I did not sign anything nor I did not proceed with the application.

Please be careful of these people.