Money Making ****s (Loan Scout SA)

A while back I wanted to apply for a loan with legitimate financial institutions with no fuss like Atlas Finance, and I googled the institutions and app**** on line, after a while I receive a referral form from Loan Scout SA to complete and they make it as if this is part of my online application, and its clearly states that before my application can be considered, then I must complete the referral form and send it back to them with supporting documents like my ID, Payslip & Bank statements, after a while I receive notification from a different institution informing me that my application was declined and I accepted that and move on. On my payday, I saw multiple deductions from Loan Scout SA and I reversed them all. Now I'm getting emails with subject Line "Notice Of Demand" and suddenly I owe them R1,252.00.

I mean they have a very funny way of milking money out of consumers especially the vulnerable ones. Their notice comes like this

STATEMENT OF ACCOUNT DATE DESCRIPTION DEBIT CREDIT BALANCE 04/09/2018 Convenient Service Package - Activation Fee R429.00 R0.00 429.00 04/10/2018 Convenient Service Package - Monthly Fee R99.00 R0.00 528.00 23/10/2018 Penalty Added to Account - Debit Order Failed - NO SUCH ACCOUNT R110.00 R0.00 638.00 23/10/2018 Account Settlement (1 x Month @ R99.00, plus 9 x Months Early Cancellation Penalties @ R45.00 per Month) R504.00 R0.00 1,142.00 07/11/2018 Penalty Added to Account - Debit Order Failed - Unsuccessful - Account Frozen R110.00 R0.00 1,252.00 TOTAL AMOUNT DUE TODAY: R 1,252.00

I'll be damned if I let them get away with this