Bank dispute letter

Could anyone give advise on how to write a dispute letter? I made a stop payment on SJM Marketing but before it was able to post they attempted to draft my account twice today causing me to be charged numerous return paymnet fees. I am getting p***ed off becuase I don't have money to just be dishing out. I had to stop payment on another loan that was due for payment the day SJM first drafted my account for $250.00 on 12/16/2005 (a week before scheduled payment was due with SJM) and the money SJM drafted was set aside for another loan company and also my car payment. SJM Marketing (Platinum B. Services) is costing me money everyday since 12/16/2005 and they still haven't returned my many phone calls. I don't have money to get an attorney to settle this crap in court. PLEASE HELP[color=black][/color]