Reckless lending, no agreement signed by me.

I enquired about a loan from RCS. The next day the loan amount was paid into my bank account. I never signed any documents or pre-agreement, stating the cost and interest involved. This document was only emailed to me after I requested it. I asked to listen to the telephone recording where I apparently agree to the costs and interest. RCS does not want me to listen to recording. They ate being very secretive. How can a loan be paid without me signing any documents? RCS did not even request my bank statements or Salary slips. Isn’t this reckless lending? I was mislead. I am not getting any anwers out of RCS.