Debit order went through after half a phone call?

I got a call back for a loan, and then as the lady was still talking to me about the terms and conditions i got disconnected from the call. So according to me the application wasnt even successful. Now this morning i see that they debited the R399 but i never even accepted the terms and conditions and all off that or even completed the loan application. Why was this debited even thou the application wasnt completed telephonic. Also after that half a call i never heard from anyone again but still the debit order went through???