I applied for a payday loan with Last Chance Payday Loans. I was accepted and further information was to be sent to my email. I never got a response. A week later a charge of $34.71 was deducted from my checking account. The telephone number of the creditor was on the back of my cleared check and found out it was Liberty Club Discount. They have a refund site with three options to choose all relating to not knowing you were signing up. Twice I put in for my refund. Today 8/2/2010 I spoke to a rep via live chat. I was told due to the... read full review »