I have two issues. Before finding this website I took out two payday loans a couple of years ago, things got tough and even though I tried working with them for the repayment they kept taking out the money from my bank account, resulting in an overdraft. I finally closed down the account. Late 2008 I received a call from a collection agency representing BIG LLc, the rep told me a owed $2700 (i only took out $250) due to all the NSF. He offered me to start paying at least the fees so my account could be current.