I need answers from someone as soon as possible. My dilemma is that I took out 2 payday loans last year in August. Payments were coming out of my bank account every week for one of them, and bi-weekly for the other. After 2 months of that happening I was expecting that it would cease. But, much to my surprise it continued, so I called them and asked. The gentlemen said "maam, didn't you read your contract?" The payment that was coming out wasn't being applied to what I borrowed but a "FEE". He said that I had to pay it back in one lumpsum amount. I was so upset.