DMS Marketing/PD6/Express Cash...ARGHHH!!

Ok, so, it's been 3 months since I've been with T&C. 2 months since I've dealt with these people. And they continue to haunt me!

I went to put gas in my car this morning before work...and my debit card was declined! I KNOW I had AT LEAST $50 in there last night, because I withdrew $20 at the ATM. So, I went into my bank account, and there was a debit on it for $63.95 to my OLD account that I had closed when I signed up with T&C. There was a strange debit on that account back in April for $60. So, I called the bank, and they said that had been debited out on 4/21 from DMS Marketing (aka PD6 Ventures, aka Express Cash)! :shock:

Well, they were the ONLY PDL I had that continued to refuse my consolidation with T&C, but eventually agreed about a month ago. I had no idea they took out that last $60 payment, because I thought my BoA account was closed. But it apparently wasn't...and that was not their fault really because the account DOES take 30 days to COMPLETELY close out. So, since the other PDL's were willing to work with T&C, they didn't try to debit it again...but DMS DID!

So, now my current checking account is overdrawn because, since that $60 was debited, and I didn't know about it, because I though the account was closed, I never paid the bank for that overdrawn amount. So, today, they debited from my good account, and now I'm overdrawn.

I don't get paid until the 31st. I don't what I'm going to do. I now have NEGATIVE money in my account. I could sell back some of my books for my classes I'm taking, but I need them for class. Maybe I can post like crazy for the next few days and get paid from here. I'm losing it today. I haven't felt stress like this in months. I just had to borrow $100 from my mom to pay my light bill before getting disconnected last week. And she's still recuperating from the heart attack, so I can't ask her for more money (that she doesn't really have)...she will only worry.

So, now I have paid DMS a total of $300 on a $200 loan, and all the letter in the world would not get them to agree to settle my account back in May, so I doubt it would work now. The crazier thing is that they kept claiming that I owed them...but the debited my account on 4/21, and the last emails with them I have are from 5/5! They were still claiming to have "not received my last payment" 2 weeks after they got it! AHHHHH!!!

I'm drowning...please help!