******* into being placed under debt review

I visited MoneySA24 in November to apply for a loan as they advertised on a local newspaper People's Post and spoke to Tanya Wilson and she advised me that they can assist me with a Consolidation loan to settle all my debts and that I will have to pay R4000 per month an she advised me that the money will be in my bank account in 24 hours and all my debts will all be settled and I will only start paying in Jan and she gave me a closed envelope and advised that my contract is inside to my surprise early this month when I opened the envelope to check how long will I be paying the R4000,there was no contract and there was only an insurance policy incase something happens to me and I'm unable to pay. When I checkd my credit profile I've been placed under debt review and I contacted MoneySa24 on the 14th Jan to cancel the debt review application and they told me to call ***,I called the number and spoke to a consultant who advised me they cannot cancel according to the new NCR rules which I was not told about since I was ******* into the debt review agreement. I sent an email directly to [Email Removed] don't even bother responding and he fowarded the email to Randwise.