For over 2 months I've received numerous calls from a company stating that Bank fraud charges were being filed against me for non payment of a Payday loan after a payment was supposedly denied by my bank. l had no record of an unpaid loan believing I had paid off any loans. It only takes one miscalculation and suddenly you find yourself facing an overdrawn bank account and an overdraft fee. If you can't pay an overdrawn account, you do have some time before the account is closed. However, you should contact your bank as soon as possible. A payday loan is just a Direct Debit payment so I doubt the bank will even mention it. All the bank will do is see how much you have in your account and calculate whether they owe you or you owe them any interest or charges, if you do then you will need to pay this or withdraw it before the account can be closed. I have gotten in the payday loan trap and I have been working with a debt soloutions and they advised me to close my checking account and open I new one. I am just scared I am going to get a bunch of bad check and get prosecuted. I work for department of correction and I dont want to lose my job I just want to get out of these for good! well this person named aijaz alikhan said that me and my husband were approved for 2500.00 and that we needed to pay 160.00 and then it was we need another 150.00 and then it was 100.00 and so on so by the time we figure this out we were out of 610.00 and i am so not happy and the number for that is 509-207-4043 and but i am pissed I have two internet payday loans in which they withdrawal payments from my bank account. They are not holding a personnel check so if I close my bank account can I just make a payment arrangement with them. If I allow it to go to collections and settle it later will they call me at work etc. Anyone been there? I already have bad credit so I don't even care about that. If you're in need of some fast cash to make it to your next paycheck, you may be thinking about taking out a payday loan. This may be particularly true if you don't have the best credit and can't get approved for other types of loans. im in a mess with payday loans. i was going to work with progessive, but i read your response and decided not to involve myself with them. of course, it started with one and went from there. i also have had two deposits made to my account that i am positive that i did not apply for, but i cant seem to find info on them to call them and inquiry about the deposits. i have closed my current. Arresting people -- or threatening to do so -- over unpaid debts has been illegal in Texas for years now. Yet, that hasn't stopped payday lenders from seeking criminal charges against more than. I let myself get sucked into this quick said, If I close my checking account and then promise to pay them within 30-45 days what will happen. The interest is killing me. I can pay them off within 30-45 days if I'm not paying the darn interest. I'm in California. They have signs saying they cannot use the Criminal Process for collecting their money.