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If a tenant has not signed a statement of dissent, they forfeit their right to recover any money withheld from their security deposit as listed in the final damage notice.
Yes, you can get your security deposit back even if you have no written lease. This is also true for a month to month tenant. However, if you do not have a written lease, you must first give the landlord written notice of when you are ending the lease no less than 15 days prior to that date.
You'II usually have to pay your first month's rent in advance and a tenancy deposit. If you rent from a letting agent they'll usually ask you to pay a holding deposit. Ask about all payments before taking a property so you don't have to deal with any unexpected costs.
You should not pay your deposit before you have read and understood the terms of the tenancy agreement and it has been signed. Your landlord should not ask you to do so before.
If the money was intended to be a tenancy deposit, it belongs to you and should be returned to you once the tenancy has ended. The fact that you haven't signed the contract could mean that you're entitled to the money back.