Oh, I've dealt w/ ACHloans and they are a complete pain; if they're located in Ireland/India/or wherever overseas, I don't know that our BBB could do anything about them. PDLs are prohibited here in MD; I closed my account, referred my PDLs to the Maryland State Commission of Financial Regulation, and there for a while ACH was providing me with some VERY interesting phone calls! They were going to "come and get me," they were going to "see me in a British court of law," and so on. Pathetic.