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<p>Few months ago I went on loan hub website to apply for a loan. They send me a sms that they need my payslip and my ID documents. Which I didn't send it to them. Because I didn't need a loan anymore. Last night I received an sms saying that I am in arrears, which is a material breach.</p> <p>Which I need to pay the money in there account in 24hours. I didnt receiving money from them or sign a agreement that states that I need to pay a installment every month to them. This is a *******.</p> <p>The funny part is they don't even call you and tell you that you are due with your payment. Because they know very well. That you will ask them what money</p> <p> </p>