Never Got a Contract. Never got paperwork. Now What?

I had filled out an online application for a pdl - it was apparently approved and $200.00 was deposited into my account by a company called "Alberta Loan Shop" on my bank statement.

I received an email explaining the basic principles - every two weeks I would receive an email with a document attached that would give me the option to renew ($60.00), payoff, or some combination. This form had to be returned 3 business days before the due date or the $60.00 would be taken and the loan continued.

There was a link to my "loan documents" but it didn't work. When I called the customer service desk to say I couldn't open my documents - they said they were having some trouble with their system and to try again later. The money went into my account, the link still didn't work - in fact to this day it doesn't work.

Since then I haven't received any of these "renewal" forms to sign, so they just hit my account for the $60.00 renewal - even though I'd called each time asking them to send them.

To date I've paid $120.00 on $200.00.

So last due date (3 days before really) I sent them an ACH revocation and asked them to contact me as I thought they were in breach of contract and that I wanted to settle for the remaining principal due ($80.00). A Representative called me back, agreed to this, gave me the moneygram information and said it would all be fine.

I responded that I needed something IN WRITING that said we had spoken, that her company had agreed to accept my payoff as final settlement, and then i'd send it right over - she agreed...of course, no email.

Today I got a call from Westbury Ventures (I know other people have had trouble with them) saying they're the collection agency for Alberta ..etc etc.

I asked the man to send me an email with his terms and information and explained that I had no problem paying, if I could get something in writing.

So here's the thing - since I never received loan documents stating an interest amount, I feel like the company should settle for the Principal - but I don't know if that's really a legal technicality. Alberta is located out of Delaware - I'm in Illinois - but I thought interest disclosures were pretty universal.

So, sorry this was long, but I wanted to give the back story.

Thanks.