I put it to you--I need your opinions.

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I have been seeing my therapist, John V Billings, since February of this years. After a few detailed chats during sessions I was diagnosed as bipolar by what I told him of my symptoms and experiences. I have battling my symptoms for a long time and have had severe depression since childhood. But back to my story. Last week, Tuesday, July 31, 2007, I was in his office. Before writing my check for the co-payment,I asked if I could both post date my check for Friday, August 3, 2007, and if he could hold the check, again, until Friday, August 3, 2007. He agreed to do both after I explained that I get my disability check on the 3rd of every month and I wasn't sure my check would clear until the 3rd. He went as far as to tell me that his wife was down in Colorado helping their daughter and her family move up here and wouldn't be back until the next week. He assured me that since she was the receptionist and bookkeeper that the check would not get cashed before the 3rd. The check went through my account on Thursday, August 2nd, 2007. As a result, beginning with this particular check, a total of 5 checks were paid into overdraft, with the possibility of more to come. Right now I have $175 in overdraft fees alone. To make matters worse, he is a Mormon and interjects little tidbits into the sessions. Stuff like "being born again" in regards to christianity really means that one is to become like a child before our parents instilled in us things like fear. My next appointment with this guy is Tuesday, August 7, 2007. I have decided that relationship is at the end and I am not continuing. Here is my question: Should I call his office Monday, cancel my appointment and give him my reasons or do I go there on Tuesday and say it to his face????