Can anyone give me advice on a payday loan problem?

I recently made the huge mistake of taking out a payday loan with an internet company by the name of 500 Fast Cash. The amount of my loan was for $300. I had NEVER done a payday loan before in my entire life, but I was in a very tight spot as I had some emergent, unexpected expenses and was right in between paydays. When I got the loan, I called 500 Fast Cash and told them to be sure to take out the entire $300 plus the $90 fee on my next payday so that I could be done with it.





By the time my payday came around, I checked my bank account online and 500 Fast Cash had only taken out $90. I got right on the phone with them and told them that I had specifically asked them to take the entire $390 out and not just the $90. The person on the phone was VERY rude and argumentative. She insisted that they had no record of me ever calling them and telling them to do that, even though I both called AND sent them an e-mail! She was very unprofessional and her exact words were, ';Like, for real, I have like no record of you ever calling us.'; She sounded like she was no older than 16 or 17!. I finally got sick of arguing with her and told her to just make sure that they take it all out of my account on my next payday in 2 more weeks, which she said they would.





Two weeks later, on my next payday, they did it again. They only took the $90 out of my checking account. This time, I didn't even bother calling them back or e-mailing them, but I got right on the phone with the Consumer Credit Protection department for my state. I explained the situation to them and they informed me that 500 Fast Cash isn't even licensed in my state, therefore, should not even be conducting any business whatsoever with anyone who lives in my state. In fact, they told me that there are only 12 payday loan companies who ARE licensed in my state, and none of them are internet companies. They even gave me the state government web site that lists all of the licensed payday loan companies where I live. Sure enough, there are only 12 and they are all local. The guy with Consumer Credit Protection even said that my only real option to get out of the whole mess would be to close out my bank account and open up a new one, which I did yesterday. He said that if I didn't do that, he was pretty certain that they would just continue to debit my account and cost me an absolute fortune.





Here is my question: Should I contact 500 Fast Cash and tell them that I have found out directly from my state that they are not even licensed to do business here and tell them that I will be filing a complaint with the BBB, my state, etc.? If I do contact them (most likely in writing through e-mail), should I tell them who I am and give them my so-called ';account number'; that they assigned me so that they know who they are dealing with? I'm so mad about this, but even angrier at myself for dealing with any internet payday loan company. I will never do this again!





I am looking for helpful answers. Please don't refer me to other payday loan companies or give me criticism for getting into this mess! This is the biggest mistake I have ever made in my life and I freely admit it!





Can anyone give me advice on a payday loan problem?
Try calling a friend or family member first. If that doesn't work I've heard good things about this site. http://www.howtogetcashadvance.comCan anyone give me advice on a payday loan problem?
I hope your bank doesn't let the next charge go through and reopen your account, charging you a $30 NSF fee or debiting your old accounts. I've heard of banks doing that. I'm no expert but I recommend you call the payday loan company and ask them for an address so you can mail them a money order with the balance of what you owe.