Help with Western Sky/ Cash Call (Experts Please Respond)

:confused:I reside in New York. I had requested a loan with Western Sky in December of 2011 for $2600.00. The principle amount of $2525.00 was deposited into my account minus the $75.00 origination fee.Then Western Sky sold the loan to WS funding which they claim Cash Call is now servicing. In March the loan was paid off and when I totaled all of the payments WS/ CC had received $3301.75 . So in April of 2012 I decided what the heck I'm a little strapped for money why not take out another loan with Western Sky again I requested $2600.00 with the principle amount of $2525.00 deposited into my account minus the $75.00 origination fee. I had made two monthly payments totalling $469.96. Then I fell on hard times. So I called WS/CC to try to make payment arrangements and they wouldn't even considered it. The people on the other end of the phone was so disrespectful that I hung up the phone. The next day they called back I attempted to make payment arrangements again and they even tried to belittle me. The person stated that I should take out a loan from a friend or a family member to make the monthly payment. How ridiculous. So I found this site and decided to send them a letter a validation to which they e-mailed me a copy of a contact and mailed me a copy of the contact via USPS. Both have the same account numbers but with different figures and and different dates. I also sent them a C&D letter. CC is also on my CR and I disputed it. But to no avail. I have notified the BBB and the FTC. What other recourse do I have to get them off of my report? And can I deduct the overage from the previous loan?