Excella Finance tops it off with bad service and scamming me out of my money

Well... Im back again. Furious with Excella finance. The telephone conversation I had with them this morning, just proofed once again... I was told that I would receive my money back within 3 days. That was told to me on Thursday 22 April 2021. I phoned today to find out when I am receiving my money back, They tell me I must first go and apologise on Hello Peter before they will give me back my money!!!! Is this right? they want me to apologise but they did not proof me wrong in any of the agreements I had with them. They are worried about their name being tarnished but what about my service that I was expecting. Money I paid for a service they offered!!! Agreement was made: I pay them R4500.00 and I get my loan. No where in the agreement was mentioned that I will have to pay another R5922. (I specifically asked them of any other fees) and I was told no. I paid them the R4500.00 but did not receive any loan so I want my money back. Now they are giving me ultimatums or I wont get my money back!!! This will definitely become a case. This is absurd and not legitimate at all.