Cool Off period Ignored

So I apply for a loan. It gets approved. I call them back and e-mail in writing within 24 hours of accepting the loan and before the Money hits my account that I want to cancel the loan. Later the afternoon I get the SMS that the money was transferred. I call them and ask for bank details for the immediate return of the money. The very same day I transfer the money back. Now they don't want to cancel the agreement before I pay some or other Admin fees. I called and you called me back and I asked for your legal department to Show were in the Credit act it says I have 5 days to cancel a loan but I am Liable for Admin fees? And today you debit my account? Why? I have been in contact with you from my side trying to get answers for the past month.