On 7/24/07 my finance and I applied for a payday loan. The loan was approved. On 7/26/07, my finance and I were checking our monthly bank statement via online and noticed a charge for $54.95. We had no idea where the charge came from and moreover... who Evercare Private Card Service was. We called 866-379-5984 only to be told that we can only communicate through e-mail. Today is 7/28/07 and I've only received an e-mail confirmation indicating that they received my complaint. I submitted a fraud claim with my bank and the money was credited back to my account, but the stress and hard-ache is worth much more than $54.95! We have to get a new checking account, make changes to our direct deposit... and not to mention, all of our automatic bank drafts are on hold. It's ridiculous! We should file a class action suit for fraud, unsecured internet transactions, inconvenience, and pain and suffering!