PENALISED FOR SERVICES NOT RENDERED

I paid +R3750.00 to Hair Clinic at Centurion on a Friday afternoon for a 6 months treatment, and the following day i decided that i was not going to continue with the treatment, at that time i did not receive contract of their conditions, only after i told them that i wanted to cancel they gave me the contract and said they will take R500 from the payment i made. I don not understand why i was penalized because no service was rendered and i cancelled within 15 hours of making the payment.

Please help, i referred the matter to the National Credit regulator and the Credit Ombudsman, the ombud said the matter was not within their jurisdiction and referred me to NCR who never responded to my emails.