I DO NOT WANT YOUR LOAN.Stop forcing me to accept the loan that i do not want

I had a very terrible and disturbing encounter with Martha, i phoned to cancel the loan that i app**** last night, i was told to email proof of income and ID which i didn't send to my supprised i received an SMS saying the loan will be paid in to my account today .i phoned to cancel Martha told me that i am gonna have to pay for the initiation fee and admin fee i told her the funds are not yet in my account and i did not scan my ID and Payslip and i do not want that loan she insisted that i am gonna have to accept the loan as i app****. So is Capfin above the law?are they now forcing people to accept their loans ?loan account number ***3