personal loan

I app**** online for a personal loan and it was approved. Once i have read the term and repayments, i decided i don't want the loan anymore. The loan amount was paid into my account. I phoned the call centre asking them to reverse the money...they said NO. I then asked for the settlement amount...they told me they cannot give me one because the first need to deduct the instalment before they can give me a settlement amount. I told them i do not want an installment to be deducted, i want to repay the full amount plus admin now. Again they say no...the system cannot give me a settlement amount. I fo to a absa branch...they say they cannot assist me, i must contact the call centre. I call the contact centre they say they cannot assist and refuse to put me through to a manager. Finally someone at the branch gives me a settlement amount. All of this happens within 2 hrs of me applying for the loan. NOW...i can settle the loan tomorrow...the same loan i app**** for today with an admin costs of +/- R1200...thus i am paying a loan i have never used and have had in my account for 24hrs and they only worked on for 5mins to process. And u wonder why people are under debt review?