***** and theft

Good Day

At the end of October I attempted to apply for a personal loan through FNB. FNB said that in order to get approved for said personal loan I would need life insurance cover for the loan and offered sanlam life insurance ON THE CONDITION OF THE LOAN BEING APPROVED. They sent through the debit order mandates for both the loan and the insurance which was approved and then afterwards declined the loan. With the loan declined the life insurance was no needed and the mandate was suspended. To My horror with a suspended mandate and Sanlam now claiming they dont have any record of me having any policies with them and FNB now stating they cannot reverse the debit order since it is over R 200.00.

So now *** do I do ? Since i did apply for a loan, obviously money is TIGHT and now you ***** from me as well ????