I had an internet payday loan with The Loan Shop/Westbury Ventures. I have paid 960 dollars on a 400 dollar payday loan. I stoped payment with my bank. Which then they changed their ACH name and withdrew 520 dollars. My bank has since credited me for that amount. I just received a call from Ms. Davis stating they are getting ready to file paperwork and I must send a 390 settlement amount to them by money gram today. I have paid 560 dollars over the original loan amount. The company states they are in Deleware, I am in arizona, isn't there a cap on charges. I don't really have 390 to send them, is there anything I can do?