Debit for None Existant Loan

This is not rocket science. Please check your records and you will see that I never a loan from you people. Your record keeping leaves much to be desired. I am offering develop a computer program for so that all you do key in a key I.e. ID number or reference number and pick up all the records pertaining to a customer. You are wasting my time. Please don't force to tighten the ratchet further, I will escalate to a level you don't want. My genuine debit orders have bounced because of your nonsense