Can somebody pls help me, I was charged 124.95 for sumting I didn’t agree for. And now my bank is charging me overdraft fees... Its for sumting called TOP DOG credit... I canceld it and asked for my money but I have to wait for THREE long weeks to get it back to my checking account, they said to me they have my voice signature or sumtin' lyk it and agreed to the terms and conditions... but I didn’t.. . what should I do? read full review »