I took out a loan with Sonic Payday and have since defaulted. I tried to do the right thing and make payment arrangements with them. I was advised by a Ms. Phillips that they do not make arrangements. I offered to send 250.00 on an original loan amount of 500.00. She advised me to go ahead and send it Moneygram (which I did) and the very same day they withdrew 688.00 from my bank account, which was the full original amount. This has caused all sorts of small charges to bounce (incurring over 500.00 in NSF fees!) and is not at all what she agreed to. I spoke with a Mr.