Illustrious Perks & Belfort Capitol Kick you while you are down. Looking for a loan caused NSF Charges for me! Internet

I was desperate for cash, and I know better, but I was hoping.  I spent days looking for help.  In the end, Illustrious Perks, took $48.88 from my account, with a check number (they created) so high, I will not live long enough for my checks to get there.  I went to my online bank, looked at the back of the check, and found the other company name, Belfort Capitol.  Researched them, called 877-807-4702.  They were really nice, very cooperative, and immediately canceled my charges.  Sent me an email to confirm to give to my bank, and then a confirmation number.  It will take 7-10 days to reverse the charges to my bank.  So an auto payment tomorrow will bounce.  Plus I have NSF Charges because of this.  Desperation.  They will kick you when you are down. 
Illustrious Perks has a customer service page also, with contact info, but Belfort handled it all for me.  It generated an email from Illustrious also, saying it was all canceled, yada, yada, yada.