On August 2 I needed a small loan to pay some bills I fell behind on. I went on the internet to find a place I could get a $300.00 loan. I filled out an application and was contacted by Pepper Cash. I had agreed to their terms as I understood them. I was not aware that I had to call them when I wanted to pay them off. They never sent me a contract so I can't remember what the exact terms were. I never called them but every other week on my payday they took money out of my account. I first 5 times it was $105.00 and then the next 3 times it was $130.00, $121.25 and the last time was $112.50.
It was on December 2nd, when I had an automatic withdrawal that I found their number and called to see why they were still taking money out of my checking account. For a $300.00 I have so far paid $888.75. On the phone the lady told be that since I never called to tell them what I wanted them to take from my account that they took a service fee out to maintain the account. At that time I told the lady that I wasn't going to pay them anymore and that I was going to put a stop payment on Pepper Cash for all amounts they may try to withdraw. I also told her that I never received a copy of the contract when I applied for the loan and that I wanted her to email the contract to me. She that I should receive it in an hour, I have not received it.
Today I called them again, December 3rd, and asked them for the amount they say I owe and their address I can mail the check to. I was told that I owed them $300.75 but that they only took the automatic withdrawals from my checking account. I told them that if they weren't going give me their address and they weren't going to take my check them they would be getting in more money from me.
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