Complaint Review: Silver Cloud financial

 I applied for a loan with this company and was approved for $800. Once approved I was sent an email containing a link that took me to their site with the documents I would have to sign. Before signing anything I wanted a more clear picture on what I would actually be paying be making any commentment. On the $800 loan my arrangements would be $320 down for the initial payment and $45 a month for the next 20 months. I turned down the offer. The agent immediately said we have a special right now that it would be $100 off the initial pay bringing it to $160 and the $45 for 20 months. So I agreed to it. They took down my banking info and routing and made an arraingments to take payments the 1st of each month. After the $160 payment they charge me again in 15 days again this time for $264 but it was declined, thank God. Now in another 15 days they again cannot get their payment. We agreed the 1st every month and a payment once a month not twice. I logged onto my account to see what is going on and the terms I signed for were not there as I signed. They have me down as 652% interest rate and that's i'd be paying a total of $3200 on an $800 loan. Earlier I said when I signed documents a link was sent to my email and when you click that link your redirected and documents come up. No print option available at all. So now I have no proof of what they initially said I would originally be paying except now what they've changed it too. The only option I have now is to report them to my bank as fraudulant activity but they may continue with collections. I dont mind paying what I was told I would initially pay bit im not pay $2400 of interest for $800. These people are crooks and obviously using loop holes to make it look legal.