account cancellation

I had a cheque account with STANDAD BANK a year or 2 years ago not sure anymore, one of their calls centre agent call me to remind me of my card that it is about to expire, he asked me if he can arrange another card for me and I said no because iam no longer using their services, he said ok on the date of my card to be expered I got another call telling me that my card is ready for collection , where do i want to collect it or should they deliver it for me , itold the guy that I told one of guys that don't use your service anymore, he suggested that I must still take a card and I will cancel I said no he said he will cancel it, but to my suprise every Month I will receive an sms from standard bank, yesterday I received phone call from mbd saying that standard bank has handed me to them to collect money, first of all I had no card to use or money in my account to spend so how did they come up with R7.205.74 , this morning at 6 am I received another phone call from MDB still asking me to pay the money that I don't owe, they have spoiled my day already so early in the morning, do you want to tell me interest for not using a card accumilated to R7.205.74 now i just received sms from standard bank saying my balance for personal loan R7.205.74 WHAT IS WHAT NOW