I just got off the phone with them, and nobody could tell me what states they are licensed in- they kep repeating over and over "we are governed by UK laws". We took out an original loan for 200, fees= 79, and have since paid it off about two and a half times, and they are going to be taking another 200 on Nov 3. Do I go to the bank and dispute these charges? or do I put a stop payment on anything from them? I dont know what to do- because they couldnt tell me if they are even licensed in MA- because she would only tell me that they are governed by UK laws. Ugh