***** on my account

in 2013 I app**** for a loan through SA Loan Locator and never went ahead with the application because the requested that I pay R399.00 . to my surprise they've been billing my account till now and I only picked this up in February and immediately reversed the transaction , now I've received any email from their lawyers demanding that I pay the R399.00 and the lawyers fees . <br> this is not fair because I never took their money and now they are helping themselves to my money . <br> now I need to pay R665.21 .