(Sacramento Bee) The TV ads were enticing and convincing: With just a few clicks online, a $1,500 payday loan could be yours.

Short on cash during the Christmas holidays, Sacramentan Inez Hackett logged on and got an immediate loan, deposited straight into her bank account.

She also got months of withdrawals she never authorized. By the time Hackett complained last year, more than $800 in payments had been siphoned out of her bank account. The amount of her initial loan: $250.

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