******* and bad business ethics

i went online to veiw loans next thing in order to see their costs they charged me 395 rands at first it sais its a free service to see if i qualify then they asjed me to put in my banking details so that they can see where to deposit the loan then all of a sudden i get an sms stating my bank account will be debited of 395 once off then 65 per month wha ******* is this they are a bunch of ******* a nrc needs to investigate this company for false advertising can ay body help me with the process please.