No Response regarding Initiation Fee complaint

Hi have sent mobicred numerous emails regarding the cancellation of my mobicred account as there was no mention of a R450 once off initiation fee. In the terms and conditions they mention there "may" be a once off initiation fee, but may be and will be are two different things and why R450?? I refuse to pay this and would like someone to contact me via email as I have a right to a cooling off period as per the Consumer Protection Act to cancel any service or contract within 14 days. I am cancelling and not paying for this bad service. They are VERY quick to set up your account but when you complain about something, no one gets back to you.