Debited for a loan I never received

Good day my name is Zanoah ,recently a loan company started debiting my money from my bank,I then went to the bank to reverse the debit as I never received a loan from them so I do not owe them anything,second month which was September they debited again and again end of October then I went to the bank to reverse the money then today the 3rd of November they sent me an email saying I owe them ,the email readOur records reflect that you are in arrears with your account for the sum of R1 386.00 as on 2015/11/03. This is a material breach on your part to comply with our service mandate and agreement entered into on 2015/08/11. You are able to download or view your digitally signed service mandate and agreement, by visiting [URL Removed] by inserting your Identity Number together with your client reference number as above into the \client area"";NULL;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;; ***;184612;893260;16;2;0;1;0;0;2;NULL;NULL;NULL;15/11/03 12:04;15/11/03 10:18;Over billed since 12th October 2012 ;8,00E+12;MTN;***;MTN has been invoicing me with bills which excedes the amount that they supposed to charge me, there are times where am charged for 1gb data that I didn't request for, my phone has been suspended several times due to their faults, I get sms's that I owe them my line will be suspended cause I owe you yet you owe me, I'm totured by this, I even compromise myself by paying for the sake of you not to suspend my line yet you\ve been billing me; she really tried to give me the best service as well as Palisa Mabiletsa tried her best to log the query and sent me the invoices. I went to a Centurion branch I was refused a SIM swap cause it was showing that I have to pay R780 in order to do a sim swap even when I tried to explain that you actually owe me; I was told that you refunded me R160 in August; I had to *** out my last R780 in order for me to have a sim swap;MTN I'm asking myself why on earth am I not porting my number to other networks for me to be tortured like this."""