DISAPPOINTING

I HAVE NEVER COME ACROSS.... THIS IS TOTALLY UNACCEPTABLE!! I AM GETTING EMAILS STATING I OWE LOAN HUB FOR A SERVICE (WHAT SERVICE???) AND A LIFESTYLE LEGAL MAIL SAYING ILL BE BLACKLISTED THAT IS EXTREMELY UNACCEPTABLE!! BECAUSE I TICKED A BOX NEVER DID I SIGN ANY DOCUMENTS NEVER A BINDING AGREEMENT BUT NOW I HAVE A BAD CREDIT REVIEW FROM THEM,(PLEASE LOAN HUB LET PEOPLE KNOW BEFORE HAND WHAT THEY ARE GETTING THEMSELVES INTO AND WHAT THEY WILL HAVE TO DO) ALMOST R2000 THAT I AM LIABLE TO PAY FROM TICKING A BOX NO NO DOESN'T WORK LIKE THAT