what recourse do i have w/m1y direct payday loan

What state are you from? If you post what state you are from somebody here will look up the state law for you. You can then do the math and figure up how much you have paid them and how much you should have paid them, possibly get a refund. You should send the a revocation of ACH right away to and talk to your bank about not letting them debit your account. The bank can stop it on your end too, just in case they don't honor your wishes.

You will also want to send them a revocation of voluntary wage assignment just in case they try to dock you pay check. Here is a link to a thread, it has a couple of sample wage revocation letters.
http://www.debtconsolidationcare.com/forums/wageassign-legal.html

When you do the revocation of voluntary ACH, you basically need to state what you want.

Date: ******
Company name
address

Dear*****

I am revoking the ACH permission for loan number **** on my bank account ********** account number. I no longer authorize you to debit my account.

Your Name
& signature

Your contact information


You should send this to them right away, fax, email, snail mail, alot of folks say to do both letters via certified mail with return reciept so when they sign for it you know they did.

Also make sure you give a copy to your bank. They need this for their records so they can reverse any transactions that come through. We did ours via email and took copies of the emails to our bank.