MVQ review: Unautherized charges

Bank account has been overdrawed for last two months. Got printout from bank and found out that mvq has been charging my account 29.95 each month, plus 1.00 and also they have charged something to me (I don't know what) for 29.80 just now found it online and ask them to cancel immed. I am on s. S. And need every penny i have. I did not ask for this, don' want this. Whatever it is. I would also like to know how i can go about getting them to refund my money. So far they have charged me 90 some odd dollars without my ok and i need my money back. Thank you.