mobiloans predatory loan company internet

 I recently took out a 1250.00 dollar loan. I have made several payments, and found out that only around 200.00 was applied to principal. Then today I found out that they are charging me different fees and late payments. I am making payments regularly and it feels like for no reason. I called them today the man didn't know what he was talking about and basically told me I was trapped in a money pit. i am loosing money and feel this is unfair. They don't explain anything to you, and I read all information provided. I don't have the 985.50 to total pay off, so if I pay every two weeks I am getting mowers. Do I stop paying it, but then how much do they report on my credit report. Someone please help me if you have this problem.