[Resolved]  Capital First — deduction of rs. 400.00as penalty amount without buying any product

My name is Dr. Soma Biswas. Yesterday I received a sms from Capital First that Rs. 400.00has been deducted from my account as penulty for not paying EMI of loan account no.13406840. I was confused because no product I have bought recently .I called customer care today .They told me that there is a loan for buying a Godrej freeze against my name. I am so surprised and angry. No such prodeuct I have bought. How can the take money from my account without my signed document.can they show any document of buying such product by me.? Is there any provision that money can be deducted by using previous cheque given for buying other product .? Because I have bought many thing by EMI system and I paid the EMI very time to time and all are repaid fully. I have proper document of those payment. But no such Godrej product I never bought. It is a great offence. What should I do ..go for consumer forum ?