my mistake was taking out a payday loan online for $200. Every 2 weeks this company would take out $60 to pay an extention on the loan which will go on and on and on...unless you send a written letter dated 3 business days prior to your next payment that you want to pay the complete balance due. Which at that point they will tell you that you didnt send that in time. Anyways this caused my account to accure offer draft fees, and I eventually had to close the account because I could not get them to stop taking money out. I opened a new account and they highjacked that one for $400. Now they have gotten me for several $60 payments (at least $240) and $400, that is $640 for a $200 loan and they continue to call me and try me to pay them more money. They call at least 3-5 times a day on my home phone and 2 times on my cell phone. This is a complete RIPOFF