Oneclickcash and Ameriloan-Credit Union???

So i figured out the outrageous amounts i have paid to these lenders.

I had a loan w/ Oneclick cash for $200.00, i ended up paying back $410.00. Another loan with them for $300.00, and i paid them $675.00

Ameriloan, i had a $300.00 loan, and paid them $885.00

I currently have another $300.00 loan with oneclick cash. I have already paid $265.00 towards it.

I also have another $300.00 Ameriloan, first payment of $90.00 is scheduled to come out Friday.

I bank with a credit union. I e-mailed them, and they say i need to contact the risk management department. I must admit i am a little nervous to contact them. Im afraid of what they will say. Does anyone know anything about working with your credit union on these?

I did send the sample e-mail i found on here to Oneclickcash. I have sent 3 of them with no reply back. They have now made it so i cant access my online account info.

I am afraid they are going to try and debit it all this friday which will put me into beiung overdrawn.