***** and *******

I app**** for a loan because I was in dire straits... but never went through with it. The month thereafter R450.00 was deducted from my account. I went to the bank and the gave me a number to phone. After a while struggling to get through a woman gave me another number. On phoning that number the lady said but they are the British Consulate and dont know what I am talking about. On going back to the first number the woman got rude and put the phone down. Now loan spotters took R199 from my account and R99. I got it reversed. Loan Spotters threaten me with court and black listing and I dont know what else.... and suddenly my account is R1550. I refuse to pay anything as i did not receive a loan or downloaded anything or signed anything or even had a voice contract. Is there anyone who can assist me and 1000's like me?