You have a variety of remedies. 1. You can call your bank and dispute the transaction as unauthorized. 2. You can bring legal action if you would like, but there's no guarantees you will be successful. It will cost you money to bring suit, serve the bank, and litigate your case. 3. You can wait until Monday and see if they credit the funds back to you. If you don't pay the loan as agreed, you will have to deal with any ramifications of delinquency or default. I understand that your finances are tight, and the lender may have made a mistake, but I'd like to pose a hypothetical question for you to think about. How much time and money are you willing to spend to rectify an overcharge of $82? The answer to this question will help you choose a course of action. Good luck.
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