I got a payday with a company I thought was in the U.S. I later found out that the call center is in the UK. They charged me outrageous fees. They never had me sign a contract online and never mailed me a copy of the contract. IS THIS LEGAL BY UK LAW FOR US RESIDENTS? They also refused to mail me a copy when I asked. They refused to give me their address, stating its because their in the UK. Finally, when I did get a U.S. address. They still refuse to send me a copy of the contract and terms and conditions. I told them I want to review them and to have a copy for my records. They refused. At first they refused to give me the address. They asked why I wanted it. They refused to give me their Moneygram receiver code. But later I got it. I have done research on this company and found out that they practise poor business in the U.S. I WANT TO KNOW IF I HAVE TO PAYBACK WHAT THEY SAY I OWE THEM. I ONLY BORROWD 200.00. THEY SAY I OWE OVER 700.00. DO I HAVE TO PAY THIS? I LIVE IN OHIO. USA