Lack of ethics

I app**** for a loan on line and one of your call centre agents called me back and said that she would find someone that would assist me with the loan amount that I required. She then went on to explain a once off service fee that I would need to pay your company which included I'd theft as well as legal advise. I told her that I do not have money for that... Hence the loan and I was not interested. She assured me more than once that the once off fee would only be deducted once my loan had been approved and the money would be paid into my account by the time the fee would be deducted off of my account. Majority of our conversation was regarding this fee and my concern. I had one sms from a company to say that my loan was declined - without an reason and have not heard anything since! Today the R395 was deducted from my account! AS DISCUSSED WITH THIS AGENT I CANNOT AFFORD THIS RIGHT NOW DUE TO UNFORESEEN EXPENSES. I want a reimbur*****t immediately. Your company is ********* and do not tell the truth... They said I would get a call from different advisers/companies that would assist me with the loan amount required - EVEN IF I WAS BLACKLISTED which I am not.