Misleading Information - Incorrect extra debit

I was called up and offered a R5000 personal loan by Woolworths. The contact centre agent advised me that the repayments would be R345.63 a month which I agreed to. However on the first month they debited a total of R1133.57. When I called the contact centre and queried this they told me that the first month is higher due to the initiation fee however I was not made aware of this at point of sale. If I was made aware I would not have agreed to take the loan. I requested my sale call recording from Woolworths to which they responded that they cannot locate the call recording. I would like a refund of the deficit amount ASAP please as I was not made aware