Money making ****s

I am very flabbergasted with institutions that milk money ********ly from consumers, a while back I wanted to apply for a very small loan and googled legitimate institutions and app**** on line, in no time I receive email attached with a referral form to complete as part of my loan online application so that my application can be considered, I did that and send it back with requested documents such as a copy of my ID, bank statement and payslip, funny enough I got an email informing me that my application was unsuccessful and I move on and forget about the application, on my pay day I notice a number of unauthorised debit orders going off from my account and I reverse all of them and suddenly I receive notice of demands from #Loan Scout SA and Loan locator SA threatening me of handing my account over for collections for their services rendered and I ask myself, what services? so I told them to go ahead and hand over and until then I don't want to hear anything from them.