Loan hub not complying

imply got an sms from Loan HUB saying I am in arrears with an account… They, Loan Hub, claim to have sent an email, only ONE email I received in which I had 45 days to cancel, no other correspondence was made from Loan Hub?! I am now being handed over which I feel is very unfair since I have tried cancelling , but couldn’t because I have a fixed contract that I apparently agreed to with Loan Hub. I have not agreed 100% with Loan Hub, I was not given the necessary communication to make an informed decision. The CPA and Ombudsman is a service I can and will make use of and will if need be. Regardless whether Loan Hub an email was sent or not, my question is why did they not follow up as no other contact was made by Loan Hub? No sms, no follow up emails etc. just started debiting. But they, Loan Hub, are quick to send you the email and sms when your account is in arrears and worse it is a fixed contract with Loan Hub??? You can’t cancel it unless you stop paying?!?! I honestly don’t even know what this covers me for…. The consultants of Loan Hub are rude and not helpful at all! Loan Hub are already ‘*****ing’ money from people but now you, Loan Hub, do it with rude consultants not willing to assist at all. Talking to a robot would have been better I am sure.