My husband was looking into a payday loan. He went through the motions, but in the end decided not to do it. When reviewing our account on Christmas Eve there was the first charge for $69.95. We immediately tried to call, but since it was the holiday no one was available. Then Uniguard Plus took another $19.95 on 12/30/09. We have contacted TD Bank and filed a complaint. When I called the toll numbers for both companies they have the same Message in the same voice. Of Course!! read full review »