money plus saver a total rip off!! beware! internet

I thought a pay day loan will help me overcome this financial problem that i am currently experiencing, but i was dead wrong! now, i was charged with overdraft fees from my bank because this company took $89 out of my checking account without my authorization! I remember applying online for a payday loan and speaking to 2 Indian nationals, who were so hard to understand, they mentioned a $19.95 fee that was going to be taken out of my checking account for my membership and i repeatedly asked if it was just $19.95 and when were the funds going to be taken, they said it wouldnt be taken right away and it would be taken out next month! and i was so surprised when my bank called me today due to overdraft!

I have called them and spoke to two representative elizabeth smith and sydney wilson, who swore and insisted that I signed up for this membership! i wanted a to hear that recording and they said i would have to call back tomorrow. so i guess i'll just have to wait and see... pls do not ever think about applying for payday loans online, they are a load of trouble and problems just waiting to happen. I have tears streaming down my face for what they did to me, I am so broke and that $89 they took from me would have been food for a week for me... i hope no one ever goes through this horrible experience!