finance TURTLE is a ****************

While I am busy looking for a loan,I come across their websites and I feel in a form to apply for a loan .only to find out their terms and conditions are embedded within..which state that you opting for a certain membership where you will pay 199,then 99 monthly..what that for??..then I decided I am not going to send my documents.on the same day,I send them an email cancelling that membership but today they have taken 199 from my account after they have been sending me loan status pending emails.I mean what kind of company does that? Where is transparency?I need my money back