I applied for a payday loan, got approved and they charged me a 19.00 application fee but never received the loan,, they say they are deducting 260.00 on 1-14-2010,, but i didnt get a loan,, they charged 112.00 in overdraft fees and I called I got a recording saying they do not respond to phone calls they will email me,, this was a recording and never received an email. Is there anyway I can stop them from going to take out of my account and I want my money back. I got three kids and I am the only sole support in this household. Please.. Thank You Terri S