H&R Block H&R Block, Didn"t tell, hides behind a foreigner. Milwaukee, Wisconsin

I have for many, many, years filed taxes thru H&R Block. Jan 11, 2011, i had my taxes prepared by a foriegn man who spoke broken english, in fact i had to assist him with his computer and help read the tax forms. I filed for the Emerald Card Advance and the refund Anticipation Loan, at this time i was not informed of the new laws/changes to the 2010 tax year. I just filed with h&r block as usual i thought, complete confidence in them, no question! My full tax refund due to me was $6,231.00, H&R Block advanced me $893.00, after all fee"s including my advanced i owed $1244.70. All fee"s were paid as of 1/28/2011, I was entitled to $4986.30. I waited 48 hrs, no refund, come to find out the "New law" was 7-10 days and that the I.R.S. had indeed implemented New laws for the 2010 tax season. My State Tax return was also deposited on this Emerald Card in the amount of $166.92. On 1/31/2011 i was told that an automatic credit advance was made to my card, authorized by me, from the bank. I saw there was money available so, i spent it thinking, it was just part of my tax refund. I thought nothing of it at the time! As of June 2, 2011, i owe H&R Block bank over 900.00 accumulating late fee's daily. I was told by an Emerald Card Advance Operations Manager that a "Resting Period" took place for the 2010 tax year only, this 3 day resting period automatically gave me a 2nd advance of 800.00. The bank even kept my Idaho State tax return of $166.92 for payment after i paid $1,244.70, I have repeatedly called H&R Block for 10 months now, as of today nothing has been done. I tried to open a fraud case thru them, i had to leave a message! I asked that my tax return preperation fees be refunded, i have to wait 3-5 days for a call back. I got hung up on twice, i was informed they could refund me $7.50 in late fee"s, i said that was not enough! The Supervisor at the bank informed me that she had indeed had similar complaints and others "understood" this "RESTING PERIOD" and that this 2nd line of credit advanced was my responsibillity, other customers understood this, so, i was to take just accept this debt owed and pay!I believe this to be "Deceptive" and perhaps "FRAUDULENT". Not knowing, not informing me, is this right? I went to have my taxes done cause i know nothing about tax laws etc..I just don"t know what to do, i am desperate at this point , i hope i can get some help/advice...