Didnt accept consolidation loan & was paid anyway

Thank you for giving me unnecessary debt for the REST of my life .In June I called FNB, to FIND out how it works and IF I qualify for a consolidation loan, after receiving several calls and phoning FNB .I did qualify for a R50, 000.00 Debt consolidation loan, which would settle my previous FNB loan and My Edgars Acc,& the rest/balance of the monies,will be paid into my FNB Cheque Account.On Speaking to the consultant, several times making sure of the following and Answers I received: \ NO 1: There would first be a quotation emailed to me