I had 2 payday loans with 2 different companies, I sent several faxes to these companies revoking my ACH authorization. They still debited my account so I contacted my bank and filed a claim on the money stating I revoked the ACH authorization between myself and the company. I received a letter from my bank stating that they are going to take the money back out since the company provided an agreement between myself and them, Its not that I have no intention to pay them back, jst at the moment things are too hard to, and also in the contract it states that I cannot be criminally prosecuted and I dont have to agree to making or receiving payments through my bank account. Im in California and did these loans online. Can I revoke my ACH auth or do you have any other advice on this matter?