I applied for a pay day loan and was charged $19.95 for a uniguard membership! the check that was presented to the bank is fake!

I called this place and was told a check would be mailed out! I cxl the membership and asked why they do this - they say it is in the agreement!

How can these people get away with doing this? I am sure I am not the only one complaining - what is going to be done?

Thank you.