I sent a usury letter to my pdl. In it I revoked my authorization for any further debits to my checking account. I also included a paragraph for a cease and desist of all phone calls. They sent me an email stating they received my letter. blah, blah, blah.
They hit my checking account twice after receipt of my letter. I disputed it with my bank twice along with all my documentation and I received my money back (twice). The account is being closed tomorrow due to all of this. I wrote the banking commissioner a letter of complaint.