Nedbank is a *******

On the 24th I app**** for personal loan which was approved same day, 25th I receive a message Nedbank apologizing for delay in loan application process while my loan was approved already. I went to a different bank on the 26 which approved and funds were available immediately. when I left the bank I sent my consultant a message canceling the loan, she gave me a number to call Monday morning, 08h32 I called and the lady I spoke to told me she sent an email to credit department, I asked for reference she did not give me. on the 30th of November I receive an sms saying loan is approved and I should expect money in my account. I immediately called my consultant which advised me to return the money, do immediate transfer with R1208.00 admin fee. I do not understand how am I liable for admin fee while I canceled prior to Nedbank paying the money to my account. It's the 30th 15h33 and the money is not showing yet. I called customer care, spoke to Nqobile who told me to speak to the person who was helping me at the branch.