telkom mobile and sell direct-*******!

i got a call from a call centre agent offering me cellphone or tablet contracts, i enquired about a tablet contract and gave my details and they said i am approved and read me terms conditions etc etc. they then enquired about my banking details and told me they will deduct R90 for once off admin fee which i agreed to and they will then be in touch with me regarding the delivery of my tablet once the debit goes out. since the debit went out on 28/08 i had called and spoken to 6 diff people who told me they wil get their team leader to send me the contract and i must expect delivery5-7 wrking days from courier IT. tuesday this week someone calls to tell me the application has been declined due to credit check, thats fine with me but why take my money BEFORE my contract has been approved and until now they have not refunded my R90 or bank charges, i have spoken to a supervisor (LEIGH-SHAWN BROWN) and still havent received a formal apology! and the person who emailed me said they are requesting a formal apology and still waiting!!! she had alot of her attitude with me her name is Zikhona Mahlove . all the people i spoke with work for SELL DIRECT, a bunch of idiots, ***** and theives!