****MERS!!!

A bunch of absolute ****mers!!! They phoned me to introduce their services, I said I was interested, they asked for my relevant details, they said they would send through documents for me to sign and the process will only start once I've signed those documents. I never did....at the end of the money R1350 went off of my account. I phoned my bank to try reverse it, they told me they can't I must phone them. I did, they told me I didn't cancel and its non-refundable....how can I cancel something I didn't sign up for???? I was told that a verbal agreement supersedes a written document which is utter BS!!! Don't use this company, they will **** you