Shocking treatment of young student

How is it possible to approve a credit card for a young student without proof of address, without properly explaining the t's & c's, then never delivering the card, and debiting the card R175 initiation fee, and R14pm? never even taken possession of the card, never used it, and then to experience the RUDENESS of the consultant when trying to cancel it? What is the point of recording calls when they say that the CUSTOMER must provide dates and times when the call was made to retrieve the recording made by the sales person who sold the product? now they will not cancel the card until proof of address is supp**** - seems a bit late for this! they say the only way to cancel the card now is to pay the R361 outstanding for initiation fee and monthly fees for a card that has not even been delivered. Standard bank, you need to do the right thing and cancel this and write off this amount. Does not help calling, after holding for 6 min still no one answers. NO ONE CARES.