re:payday loan yes

I have 2 payday loans that I recently fell delinquent on. They both set up payment arrangements with me. One sent an email confirmation outlining the arrangement in detail(i.e. dates & amounts of withdrawels). The other (payday loan yes) stated that I owed them $500 even though I only borrowed $300 plus a $90 fee. They said that they could offer me an agreement of $300 and it would be PIF. I made an arrangement over the phone for 2 payments of $150 plus a $5 processing for both payments. I requested an email confirmation twice for this agreement and I never received one. I called to my rep. a week later to change the payment amount for the first transaction from $155 to $55 because I could not afford it. The rep., Pat Granger, assured me that I called in a sufficient amount of time for the change and tacked the $100 onto a 3rd payment date. I asked for an email confirmation of this transaction and never received one. Low and behold, Payday loan yes debited $155 instead of $55 out of my account. Pat Granger acknowledge that we had changed the arrangement and that her company made a mistake and for a full week I went thru a nightmare with this company trying to get the $100 placed back into my account. I had to borrow $100 in order not to have my rent check bounce. I had exactly enough money in the bank before they took out the $100 extra. Very long story short, they are not giving me the $100 back eventhough Pat Granger verified with me and her supervisor that the "mistake" was on the companies end. There is really not much that I can do. I am afraid that they will make more "mistakes" with my account. Even if I close it, they could still file false info with a credit bureau. If I request another email confirmation for the last $155 to be withdrawn, do they have to give me that? That will be the only proof of an arrangement that I will have. I need something in writing from them. Is it my right to have a confirmation of some sort?