Crooks and Misleading Clients

I applied for a loan this year with Loan Tracer and it was not approved , and I realise this is a scam without any service of Loan , company emphasize their convenient service packages like Personal injury assistance , Motor Vehicle Accident etc ,and this was not what I signed up for , even their documents states Loan Referral Application form , I was misled I was surprised on my payday they deducted R399 and I reversed that money and the following month I think they deducted R99 and I reversed it again Now I got email from lifestyle legal threatening me ,talking about Letter of Demand and I must make payments, please help on what I need to do cause I'm confused .