Forcing Loans with no approval

I was called in July & offered a personal loan, consultant went ahead & explained all in details, Sent all documents required for approval. At no time in the initial conversation or follow up conversation did I accept the loan according to my recollection. Two days later the money was deposited in my account which was a Friday & the Monday after I promptly deposited the money loaned to me after sending email to consultant. No news since 2 months & suddenly in September money was taken out of my account. According to Sanlam & Direct Axis I now have a Settlement Balance to pay. Have sent numerous emails to customer care at Sanlam & Direct Axis but to no joy as no one cares to call . 24 Sep Nicky Hill (Sanlam Customer Services) sends a Settlement letter to me with no mention of the facts since July. I have rep**** to Nicky asking for all conversations in initials calls wherein I approve the loan. Maybe I do not recall approving the loan or maybe Sanlam did not hear me correctly!!!!