Loan for dental care?

So i went to see a dentist the other week about a tooth that was bothering me. He said i need a root canal and tried to do it then and there. I told him i had somewhere to be, I didn't have time at the moment, not to mention i didn't have the money at the moment. So he set me up with a $1200 loan from capital one to pay for it and then i'd pay capital one back at $74.00 a month. Well after talking to a few people, they recommended I get a 2nd opinion before i get a root canal. So i went to see someone else, and that dentist said i absolutely did not need a root canal. Well i completely forgot about the loan with the first dentist, i canceled my appointment with him to get it done. And now i received a bill in the mail from capital one wanting my first payment. Do i still have to pay it even though i never got the root canal??? I plan on calling them tomorrow, but i'm freaking out right now! i can't afford to pay back $1200 that i didn't even end up using!
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If you never had the procedure done, then you do not have to pay for it. I would call the dentist first and tell them you are not going to cover the cost of the loan since you did not receive the services. The dentist most likely already collected the $1200 for the loan and you need to have the dentist reimburse that money to you, once you have the money back, you can pay it back to capital one or just make your payments.
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