******** Debit of R399 from my account

<p>I went into Loan detector website looking for a loan and fill my details thinking is for the loan application and next R399 was debited from my account. My bank forensics gave me their number but was existing anymore. Today (11 August 2017) i received and email from (Loan Detector SA ********** with subject - Your Monthly Electronic Service Pack has just arrived. I called them on the number at the bottom of their email - LOAN DETECTOR SA<br />www.ldsa.co.za |Telephone number: ***. and the gentlemen that spoke to me said i have purchased a 12 months package. I asked him how the hell will i purchase a 12 month package if i was looking for a loan. Then he said he has cancelled the package and he will sent an email. within a minute i receive the email with subject : Account Settlement and the email read as follows: <br /> Thank you for your settlement request. Our records reflect that your account is outstanding to the sum of R1,112.00 as of 11/08/2017. In order to avoid being in material breach on your agreement entered into on 13/06/2017 we urge you to settle the outstanding amount as soon as possible. You are able to download or view your digitally signed service mandate and agreement, by visiting www.ldsa.co.za by inserting your Identity Number together with your client reference number as above into the “client area”, to access your client portfolio with Loan Detector SA.<br />STATEMENT OF ACCOUNT <br />DATE DESCRIPTION DEBIT CREDIT BALANCE<br />13/06/2017 Convenient Service Package - Activation Fee R399.00 R0.00 399.00<br />13/07/2017 Convenient Service Package - Monthly Fee R99.00 R0.00 498.00<br />31/07/2017 Penalty Added to Account - Debit Order Failed - DISPUTED R110.00 R0.00 608.00<br />11/08/2017 Account Settlement (1 x Month @ R99.00, plus 9 x Months Early Cancellation Pentalties @ R45.00 per Month) R504.00 R0.00 1,112.00<br />TOTAL AMOUNT DUE TODAY: R 1,112.00<br />We hereby give you notice as provided for in section 14(2)(b)(ii) of the Consumer Protection Act, that if you fail to pay all amounts due as provided for in your service mandate and agreement with us within 20 (twenty) business days, that we shall accordingly terminate your service mandate and agreement with us.<br />Please note that upon cancellation/termination of the service mandate and agreement, you shall remain liable for all amounts owing to us in terms of said service mandate and agreement, including, but not limited to, failed debit order costs as well as a reasonable cancelation penalty as provided for in section 14(3) of the Consumer Protection Act. Should you fail to make the aforementioned payment Loan Detector SA will add a 25% administration fee for the handing over of the account to the debt collectors.<br />Payment is to be made immediately into the following account:<br />Account Name: Loan Detector SA<br />Banking Institution: First National Bank<br />Account No. 6 ********** 879<br />Account Type: Cheque<br />Branch Code: 250655<br />Reference: ********** 651086<br />Amount Due: R1,112.00<br />Due by 2017/09/10<br />Kindly email proof of payment to: ********** <br />Yours Sincerely;<br />Loan Detector SA (PTY) LTD<br />How the on earth do i pay for something that i did sign for physical. Kindly assist.</p> <p> </p> <p> </p> <p> </p> <p> </p> <p> </p> <p> </p>