One Click Cash

A few months ago mu husband got a payday loan from oneclickcash.com for $250. I had no idea that he did this at the time, and the money did go to a good cause, but sense then we have given them almost $800, and they say we still owe them the original $250. I changed our bank account, and Bank Of America put a block on them all together. The bank was really nice about helping with this.

Anyway, they won't talk to me about any of it, saying it doesn't matter if I'm a spouse or if your husband gives us consent to speak with you. (We tried that...) They won't even answer questions that a new client might ask before getting a loan with them. Saying that they only speak with existing clients over the phone, and that the web site can answer all my questions.

I want to know if they are licensed in the state of Texas, and what happens if you stop paying them? Do they send it to collection like a credit card and then you can pay it back or what? Although I feel as if we paid them there money, and they should be happy they got that much interest the loan.