i have entered into an agreement with a merchant loan company who has received payments on a merchant loan that was suppose to be given in two parts.

I did receive a partial loan and was told i had to make 10 payments before the rest of the loan could be given. I have requested balance and have made a total of 24 payments towards this and have overpaid the amount of the partial loan. I have requested numerous times a balance or a release letter since they could not provide the rest of the money. It has dragged on now for over a month with no resolution. The have an inhouse attorney that i have only talked to once and had never returned any calls or emails regarding the situation. I am looking to get a refund of the overpayment also just a release letter since they were never able to provide the second loan so i can be released. I was told if i put a stop payment they can charge me a default of $4500.00. I dont know how that can happen since i have overpaid what was given.