I contacted LowPay, Inc on the internet, made an agreement they could take the openong fee of $ 78.00 and wait two teeks and take the annual fee of $120.00 nothing else, when i checked my account at the end of the month I found they had taken the the $78.00 and one week later took $120.00 twice in the same day ($240.00) I mmmediately call LowPay, Inc and cancel my contract and requested a refund for not following our agreement, I was told I would have to wait and send my bank statement to show they had taken the money. I received the packet and return it immediately after filling out the form I was told to complete .weeks later I found out again they went into my account and stole two payments of $99.00 twice ( 178.00) I again contacted LowPay, inc and was told because I did not request a Refund number in 30 days I was not due any refund. This month again they stole into my Bank and again stole another $99.00 Because this was done by internet. I was told at my place of employment this was a Federal case inviolation of 18 USC. also if this has been done to me, think of how meany people this has been done to. If I do not receive my Refund in the next 5-7days I will file charges and also start a class action Civil Law Suite... Thanks for your time