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Dear Client, thank you for your query. My name is***** am a solicitor and will be assisting you today. Could you please upload a copy of the warning letter here in this chat? Did you sign any agreements with the lender?
Even if you applied for the loan online, there should be an email confirmation. It is important to know the terms and conditions of the loan to advise you properly. However, there must be a 14-days cooling-off period, in any contract, when you may cancel it without penalties for whatever reason as you wish.