Refusal to cancel unpaid personal loan

I app**** for personal loan from Fin-choice through mobi fin on the 04/03/2021 and it was approved pending i submit supporting documents which i didn't submit.Today 05/30/2021 i called their call center to cancel the loan as it was not reflecting in my account yet.To my surprise i was informed that they wont be able to cancel the loan as it has been approved and i must wait for it to reflect in my account and pay initiation fee,protection fee and interest of the loan.They told me is their policy and terms and conditions.I requested that they send me the policy and terms and conditions as i read them with me and it doesn't say anything like that.I also requested that they send the loan contract and when i check it indicated that the quote is valid for 5 days and I'm cancelling within the stipulated time.I have sent several emails to their fin support but they are not responding.If I'm not getting any positive response I'm thinking of reporting them to National Credit Regulator abs this is ********* and bad service to consumers.How can i pay for something that i didn't use and is not appearing in my account.Hello peter please assist me on this matter.