National Money Store

I have a total of 4 loans - the only one giving me problems is National Money Store. My original loan was $250.00 I believe - the fee's were $54.00 - I've been paying on it for a while - I'm sure repaid principal - they are charging me $654.00 to pay it off - stated returned check fee's added onto principle. I actually offered to pay the whole thing off - via debit card or money order - that stated only way they can accept payoff is through an ACH - told them - no access to this. They said oh well - I said - maybe savings account would work - but after all the things they required to do it through my savings account - I decided not to do it that way. After reading this forum - I am not going to pay that whole amount. They continue to try and debit varying amounts from my checking - they are running two debits each pay cycle. which is costing me $70.00 in OD fee's - that's my only concern is the fee's that will continue to accumlate on my checking - BOA won't close the account as you know - it's free money for them!!