another scam by RAM

Nelly, it is now clear that my doubt of this company is true...unfortunatly thay have been deducted $100 from my acount every month to settle a debt with BANK of America. Shortly after a I received a check for a credit of about .98 cents, saying that I had over paid on my account with BOA. This struck me as odd and starting to call the contact numbers and to no avail. I feel so violated by this company because I truly wanted to clear my credit and struggled to make sure that the money was there month after month. In these hard times that most people are going through, I can't believe that there is a company out there that is getting away with this. They really got me by saying that they would take me to court but now I want to know what legal rights do I have and how do I get my money back???

Please if there is anything I can do, let me know via email Email deleted as per TOS

Thank you!