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can i cancel this personal loan


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Help I think I done something really stupid

I basically took out a loan with hfc today for 3500 pounds. They asked me if

I wanted to consolidate a debt I had with them for stuff I brought from currys this june of 549 pound I said ok then. I basically got a good deal on the goods from currys and it worked out better to get credit as they gave me a good discount I did the figures and aslong as I paid it off by march I be the winner. Anyway I just read through the documents now they have charged it as a consolidation loan and basically I consolidate 545 pounds and it says interest total 993.80 so that means at the end of the term I will end up paying 993 pounds just for that 545 which I can pay off . I just feel like a fool really . Can I get out of the agreement I have not cashed the cheque they gave me? I don’t mind the interest for the 3000 pounds but I really think it works out cheaper for me to take the loan of 3000 which I initially wanted not 3500 and then pay the hfc retail diversion direct instead of consolidating the loan as they charging me like over 400 pounds just to do so.

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