Zakaah is obligatory upon the lender, not on the borrower

What this man has done is
haraam for two reasons: 

1.

He has asked for something
additional to the loan. It is not permissible to take something additional
to a loan or to benefit from the loan, because it is a contract that is
based on kindness, seeking thereby reward. So it is not permissible for the
lender to take from the borrower something that is additional to the loan,
or to impose any obligation on him or to stipulate anything for him, because
this is riba, and in fact it is the worst kind of riba. The Prophet
(blessings and peace of Allaah be upon him) said: “Every loan that brings a
benefit is riba.” Even though there is some debate concerning the soundness
of this hadeeth, the scholars are unanimously agreed on this point, that the
lender is not permitted to benefit from the wealth of the borrower because
of the loan. 

So what this man has done is
riba, and he has to repent to Allaah and return this additional amount that
he took from you and imposed on you. 

2.

The zakaah on wealth is only
due from the owner, not from anyone else. The fact that he forced you to pay
zakaah does not mean that his duty has been discharged, because zakaah is
due from the one to whom the debt is owed, and he is required to pay it. End
quote. 

Al-Muntaqa min Fataawa
al-Shaykh Saalih al-Fawzaan
(2/304)