I admit I did apply for a loan but I always read the terms and conditions before i submit anything to make sure i wasn't being charged extra for anything. I have my husband (an FBI agent also check the terms). It didn't mention any charges, 2 days later i get charged $33.98 to my checking account which is now overdrawn. If it mentioned any additional payments I would not have submitted the application which I did NOT. And now the terms and condiotns mention that charge. a week later. I have applied for a refund and been denied. I called them and they don't listen to what I say and barely speak and understand english abd repeat the samething over and over. Can anyone help me?