Unauthorised Debit

I need to make people aware of this, I have made an enquiry for a loan through Loan finder SA on the 30th August. Their service for a loan is supposed to be free as per their website. The next thing R395 was deducted from my account without my concern. I do not understand as to why did you debit my account at the first place because I did not accept any of their services. When you go & deduct money from someone's account without any agreement signed or authorised is *****. I need my refund as soon as possible, I have been inconvenienced financially. All I wanted was to apply for a loan using their free services but changed my mind.

This is the reference from the debit order: Creditgain ********** -lfsa- 170922naedo Dr ********** 991

Their response from them when I asked for my refund: Our 4-in-1 Plan consists of a Financial Counselling Programme, Legal and ID Assist, quarterly credit report and free loan-finding service. The cost for the plan is a once-off initiation fee of R395, with a monthly fee of R78. The loan-finding service is offered to you upfront and the Legal and ID Assist is activated immediately upon completion of the application,