I took out a $400 payday loan in October 2008. I have been charged finance fees of $120 twice monthly. After making principal paydowns of $100 I was advised on February 3, 2008 that my loan balance is $390. When I phoned the representative she was apologetic, but told me that even though I paid the interest charges and principal paydowns twice, there were additional interest charges that accrued and that is why I still basically owe $400. Help please. This is absolute consumer fraud.