2 Bad Bussiness Companies

I am currently dealing with both SJM Marketing and Telmerica,both of which is h***. SJM Marketing for starters drafted my acoount for $250.00 a week before payment was scheduled for payment and when I found out about the issue I place several phone calls, e-mails and faxs (none of which have been returned yet) about the matter. I have been charged return payment fees twice this week from my bank because even after placing a stop payment on SJM they still attempt to draft my account (the stop payment was not posted til after 12 noon but they attempted before then). On 12/16/2005 when SJM first drafted my account I was scheduled for repayment for Telmerica but SJM beat them to the cash and when they attempted to draft my account the money was no available which caused me again to be charged by them and my bank. Telmerica contacted me twice at my place of employment (after being asked not to call0 and demands $502.00 for a $200.00 loan. I was scheduled to pay them this Friday but once I seen SJM was still attempting to draft my savings account, I placed a stop payment on both companys. I have contacted Telmerica to attempt to reach a payment agreement but they refuse to work with me. I explained my situation and why I had to place a stop payment and they basically told me they don't give a h*** and all they want is to be paid $502 12/23/2005 or they will continue to call and Iwill still be accuring finance charges until they have been paid fully. I paln on contacting my bank tomorrow to place a despite about the $250 that was drafted on 12/16/2005 because me loan agreemnet with SJM stated a repayment date of 12/23/2005. I am very stressed right now because I don't want to have my whole check drafted form one of these companys but I don't know the least about writting a dispute letter (advise please) or anything concerning with this matter. I have a good job and I don't want me employer getting involve but I feel SJM and/or Telmerica is going to call my boss. I need so advise and my advise to eveyone able who is able to read this post: DO NOT TAKE OUT A PAYDAY LOAN!!! :cry: They are quick to give but when it comes to repayment they send yo thru h*** and hot water. SJM Marketing is a trash company and Telmerica tries to scare you. DO NOT DEAL WITH THESE COMPANIES. I wish I would have came across this website before I place the loan applications because I wouldn't have dealt with any loan company, if I knew what I know now!!!!!