The activity in your account is extremely suspicious. Search AVVO for Payday Loans and you will see a great many answers. Your best bet is to see a local attorney at once. $55 is a huge amount to pay for a $200 loan. If you promise to pay back a loan, usually you would expect to pay it back. See and attorney in Baltmore - soon before they bill you for the other money.
We do not have a client/attorney relationship until you make an appointment, we discuss your case face to face, I accept a retainer, and we explictly agree to enter into representation.
Even though payday loans are suspect in maryland, that doesn't get you around the issue of "unjust enrichment". Just because the loan itself was illegal, you still don't get a windfall. Contact an attorney, and they will be able to work this out for you.