Ripped of broad day light refused to cancel a loan application.

Good day I am Vuyo. On the 9 May 2018 I app**** for a capfin loan of R8000 via USSD code. A consultant by the name of Demona (not sure the name sounds like that) called me on the 10 May 2018 at 8h30 in the morning indicating that my loan application is on process I will receive an sms. At 09h55 on the 10May 2018 I called to try to cancel the loan application as I have changed my mind as I don't need the loan anymore. I spoke to Nicole,Nicole indicated that my loan application was already completed and its active on their side I will need to pay back the amount that is still not on my account plus interest when I was asking how much are the interest she indicated that the total amount that I have to pay is R9021.25 and that quote is valid until 11/05/2018.I could not prove whether indeed the the account was activated but at 09h56 I received a message with the settlement amount and at 10h07 I received an sms indicating that my loan application has been approved.If indeed it was activated why I did not get these messages prior my call to cancel the loan application.The only thing that they were telling me was even though the money was not on my account I have to pay back the amount that's what she said as she was saying that I have to pay admin charges.I complained with the amount of interest that is R1023.00 extra.I complained and complained Nicole apparently couldn't help me.I asked Nicole that it means I am not entitled to change my mind.Nicole indicated that the cooling period is 7 days I don't qualify for a cooling period because as I was an existing customer but surprisingly I was having a new account number and I have to apply for a loan is not it was automatically given to me because I was an existing client. I requested the supervisor to call me back.The manager by the name of Amanda called me also indicated that don't qualify for a cooling period .She even emphasized that it applies on the very first first day. She said that I am binded by the terms and conditions that I have received from the first attempt that were read to me when I was initially applying for a loan. She said that she was under the impression that I understood the those terms and conditions that were read to me 3 years back. They did not confirm or remind me read the terms and conditions again to me to confirm and be sure that they are sure that I understand them, I asked her where does it states in their contract that in 2018 I will be binded by the terms and conditions that were read to me in 2014.She indicated that every time I took a loan the terms and conditions are always read to a client and that never happened to me on this application. I refer her back to the recordings to confirm that I am telling her the truth. We argued for couple of minutes and when I was insisting that the terms and conditions were never read to me this morning she indicated that she will ask the team leader to follow up on this matter. Before we drop the call I indicated to her that I don't understand how come can I be your client whereas I'm no longer having a relationship with my understanding was I was their client but because I paid off and close the account I am no longer your client. For me to be still in their database does not mean I am still their client I was their client no longer their client. Later on the day the R8000 loan amount was deposited and I deposited it back to Capfin as it is. On the 11/05/2018 I received a message that states thank you for your call your loan application was cancelled please call ********** 000 if you change your mind of which it was for the first time for me to receive such a message from capfin even after settlement I've never received that message. A team leader by the name of Sibusiso called me the following day 10/05/2018 at 10 h31.He indicated that he listened to the recordings but he escalated the matter to the finance department to take a decision on the matter. He indicated that he is aware that I paid back all the money was deposited to my account.We talked for a while and my understanding was the matter has been resolved. I even indicated to Sibusiso to get back to me and I also want him to get me clarity whether the matter is resolved now that I have received the message that states my loan application has been cancelled.I got surprised on the 15 June when the extra R1023 with interest was deducted from my bank account without any call any indication as someone who understands that I don't owe Capfin anything. I reversed back the money to my account. I called them to understand the matter I spoke to consultants that took me to pillar to post not getting any solution, the matter was escalated and escalated but not receiving any response .When I was calling the other day I have discovered that they wrote lying comments on my profile that I drop the call, I did not want to speak to them,I have a financial crisis I will make an arrangement sort of comments like that that are not even true. I also discovered that my cell number that they used to call me to has changed it to another number and I only knew about that when I was asking them that why now are you calling me on my work telephone. Even in July they deducted extra money with interest of which in July they deducted R1255 that I also reversed it back. I called again still trying to make a follow up on the issue still I was not winning. In August they deducted R1846 and after that received a message that they refunded R465.Due to my name profile at Beuros that they are messing with I thought of not to reverse the one for August even though I have not yet decided. Currently I want my money back rom capfin.I feel they rob me broad day light. May you urgently assist so that they can also solve this matter once and for all. All the recordings regarding this matter are available because I was also recording with my phone. I am still wondering even today that when they were sending me a message that said thank you for your call your loan application was cancelled please call if you change your mind what was the meaning of that message.

I am so devastated heartbroken please assist.