Personal Loan

I took the loan on 7/04/2015 and when I read the terms, I found out that I don't agree with those terms they give me. Then I return back their loan within the 7 days period they gave me. <br> Still in that they charge me any initiation Fee that was part of Part A agreement that was open for 7 days, I quote on their document \ this part A is valid until close of business on 2015/04/13 and upon acceptance by you will from part of agreement concluded between you and us"so will like to know why they charging me an initiation fee of which I never agree on Part A. The loan was return at Benoni branch 11/04/2015. <br> """