On March 4th, I wanted to borrow 40,000 yuan, and I have already paid 960 yuan interest, 3,000 yuan for personal safety and 8,000 yuan for bank account opening. Later, they asked me to pay a guarantee fee of 20 thousand yuan to the banking supervision company. When I ran out of money, I offered not to apply for a loan and asked them to refund my money. They agreed, but they haven't received the money yet. What should I do?