Payday-Loan-Yes.com You've Got Money! Whether you want it or not... Internet

Before you get too excited- it comes at a hefty price.  Try 353.23-4562.50% interest, yes go ahead, read those numbers again,  I assure you I copied them correctly from the website.  I don't know for certain, but I don't think your garden variety loan shark has that many numbers in their interest amount  How can that be legal?  IS it legal?
I was looking into this company only because it was one of those trial pay offers, try this business, get something free from our.  First off I was just trying to find out if I would qualify, as I thought my income might be a bit below the minimum(and it was).  They were going to accept me anyway.  Each time I tried to ask a question, the rep. would fire back a computer generated form letter, ignoring my questions.  After about the 3rd try I told her "forget it, I don't want your money".  Didn't hear any more, never expected to.
But about 2 weeks later I got a payment reminder...what? First I called the bank and found out yes, they had deposited the money in my account  I called the company and explained that I did not want this loan and hadn't even seen any kind of loan contract.  She very rudely implied I was lying and that lots of people tried to call and say they didn't get a contract, but I could not have gotten the money without a contract.  But oh yes I did! And since I had this invisible contract I had a loan to repay.  Now they keep asking why I didn't immediately return the money if I didn't want the loan.  I never got the impression from this very gruff employee that merely returning the $200 they had put in my account 2 weeks prior would solve the issue.    Somehow, everytime I try to talk to anyone at Payday, (with the exception of ONE decent person) I am the bad bad person.
I didn't know what to do. In the meantime I made what I thought were payments, turns out I only made interest installments.  They put $200 in my account.  After paying back $400, they said I still owed $300.  I felt like enough was enough, everyone I talked to, including my bank said to stop paying.   For money I didn't want, I had already returned it twice.
 They call and call.  Finally I answered by accident.  They insisted on talking over me, first one person, then another, then another.  They won't listen, I am the criminal and they are right of course.  Somehow, I am supposedly under a contract, one I've never seen and don't fully understand, because I did not want this loan.   Please, don't even think about this website, you could end up with a loan you don't want.  No matter how desperate you think you are, it's not worth it.  Even if you think your family is starving, find another way. This is a nightmare that won't end.   Parasites won't quit until they get blood.  Their phone message says they are courteous.  If that's courteous,  I'm a saint and I want my own day!  Apparently no one told them you get more flies with honey.