FNB Covid-19

In May 2020 I was granted a covid19 cashflow relief loan of R 2,194.47 by FNB. I found out in June that such loan would only cover debit orders which I do not have. So the loan was useless in my case. In June I tried to cancel it and was informed that I would have to pay a cancellation fee of R 980.36. I rep**** to the bank with a question: Why do I have to pay for something I did not use? Still today I got no answer to my question. On the 27th August I received a SMS stating that I need to start paying my loan on the 20th September. Why does FNB insist in taking money from me if I have not effectively used the loan?