Bad service

I app**** for a loan with direct axis, things looked fine in the begining, the loan was approved but was required to fax or email bank statement and proof of residence before the money could be paid into my account. This happend mid december last year, and somehow i couldn't manage to gather the required documents, ended up sending the email to cancel the application. Starting last week i have been getting texts advicing me to mail or fax the documents, which i didn't and i convinced myself it s a computer generated text. Today not long ago, i got a bank notification of some money deposited into my account, with direct axis as reference number, i phoned in and they confirmed it s them and the lady transfered me to customer services which i was on hold for 15min till i hanged up, my question is this possible, to get the money almost a month later, besides from an incomplete application ? To me this is ***** and *******, forcing a loan on me. I want then to reverse their money, i no longer need a loan, please help