very bad service

I am really confused with regards to getting smes that i will be served with a summons for something i don't even know about.Yes i do remember requesting for a loan wich i didn;t get but i don't have an idea what the money i owe is for, i saw a lot of debit orders going off of my account which were not explained to me, now i am expected to pay for something which i do not even know about. I am really not happy about this, in fact i am appauled at this service.