On Oct 21 I had a check come out of my account for 49.95. I called the number on the check immediately and they sais that it was totally legal because I had signed up for it. I DID NOT. They cancelled my membership and told me I would recieve a refund check in 30-45 days. Here it is Dec 18 and I still haven't recieved a dime. None of the people at the number speak correct English and they are very rude. Now I have to go and close my checking account and I think this is bulls%%^. I have never signed up for a payday loan or anything. I don;t know how they got my information, but they really need to be stopped. Can we sue????