diff --git a/PullToRefresh/PullToRefresh.swift b/PullToRefresh/PullToRefresh.swift
index 4f022e0..97659f9 100644
--- a/PullToRefresh/PullToRefresh.swift
+++ b/PullToRefresh/PullToRefresh.swift
@@ -56,6 +56,8 @@ open class PullToRefresh: NSObject {
     fileprivate let animator: RefreshViewAnimator
     fileprivate var isObserving = false
     
+    fileprivate var haveFinished = false
+    
     // MARK: - ScrollView & Observing
     
     fileprivate var scrollViewDefaultInsets: UIEdgeInsets = .zero
@@ -77,9 +79,15 @@ open class PullToRefresh: NSObject {
         didSet {
             animator.animate(state)
             switch state {
-            case .loading:
-                if oldValue != .loading {
-                    animateLoadingState()
+            case .loading(let isDragging):
+                if oldValue != state {
+                    if isDragging == false {
+                        animateLoadingState()
+                        if oldValue == .loading(isDragging: true) {
+                            break//don't perform action twice
+                        }
+                    }
+                    action?()
                 }
                 
             case .finished:
@@ -153,19 +161,26 @@ extension PullToRefresh {
                 }
             }
             let refreshViewHeight = refreshView.frame.size.height
-            
-            switch offset {
-            case 0 where (state != .loading): state = .initial
-            case -refreshViewHeight...0 where (state != .loading && state != .finished):
-                state = .releasing(progress: -offset / refreshViewHeight)
-                
-            case -1000...(-refreshViewHeight):
-                if state == .releasing(progress: 1) && scrollView?.isDragging == false {
-                    state = .loading
-                } else if state != .loading && state != .finished {
-                    state = .releasing(progress: 1)
+            if haveFinished && scrollView?.isDragging == false && (state == .loading(isDragging: false) || state == .loading(isDragging: true)) {
+                haveFinished = false
+                state = .finished
+            } else if state == .loading(isDragging: true) && scrollView?.isDragging == false  {
+                state = .loading(isDragging: false)
+            } else {
+                switch offset {
+                case -5...0 where state != .loading(isDragging: false):
+                    state = .initial
+                case -refreshViewHeight...0 where (state != .finished && state != .loading(isDragging: false) && state != .loading(isDragging: true)):
+                    state = .releasing(progress: -offset / refreshViewHeight)
+                    
+                case -1000...(-refreshViewHeight):
+                    if state == .releasing(progress: 1) {
+                        state = .loading(isDragging: true)
+                    } else if state != .finished && state != .loading(isDragging: false) && state != .loading(isDragging: true) {
+                        state = .releasing(progress: 1)
+                    }
+                default: break
                 }
-            default: break
             }
         } else if (context == &KVO.context && keyPath == KVO.ScrollViewPath.contentSize && object as? UIScrollView == scrollView) {
             if case .bottom = position {
@@ -227,13 +242,18 @@ extension PullToRefresh {
         scrollView?.setContentOffset(CGPoint(x: 0, y: offsetY), animated: true)
         let delayTime = DispatchTime.now() + Double(Int64(0.27 * Double(NSEC_PER_SEC))) / Double(NSEC_PER_SEC)
         DispatchQueue.main.asyncAfter(deadline: delayTime) { [weak self] in
-            self?.state = .loading
+            self?.state = .loading(isDragging: false)
         }
     }
     
     func endRefreshing() {
-        if state == .loading {
-            state = .finished
+        if state == .loading(isDragging: false) || state == .loading(isDragging: true) {
+            if scrollView?.isDragging == false {
+                state = .finished
+                haveFinished = false
+            } else {
+                haveFinished = true
+            }
         }
     }
 }
@@ -255,7 +275,7 @@ private extension PullToRefresh {
                 case .top:
                     let insets = self.refreshView.frame.height + self.scrollViewDefaultInsets.top
                     scrollView.contentInset.top = insets
-                    let offsetY = self.defaultInsets.top + self.refreshView.frame.height
+                    let offsetY = self.scrollViewDefaultInsets.top + self.refreshView.frame.height
                     scrollView.contentOffset = CGPoint(x: scrollView.contentOffset.x, y: -offsetY)
                     
                 case .bottom:
@@ -270,8 +290,6 @@ private extension PullToRefresh {
                 }
         }
         )
-        
-        action?()
     }
     
     func animateFinishedState() {
diff --git a/PullToRefresh/State.swift b/PullToRefresh/State.swift
old mode 100644
new mode 100755
index fac13f5..94c56f8
--- a/PullToRefresh/State.swift
+++ b/PullToRefresh/State.swift
@@ -12,14 +12,14 @@ public enum State: Equatable, CustomStringConvertible {
     
     case initial
     case releasing(progress: CGFloat)
-    case loading
+    case loading(isDragging: Bool)
     case finished
     
     public var description: String {
         switch self {
         case .initial: return "Inital"
-        case .releasing(let progress): return "Releasing:\(progress)"
-        case .loading: return "Loading"
+        case .releasing(let progress): return "Releasing: \(progress)"
+        case .loading(let isDragging): return "Loading: \(isDragging)"
         case .finished: return "Finished"
         }
     }
@@ -28,9 +28,9 @@ public enum State: Equatable, CustomStringConvertible {
 public func ==(a: State, b: State) -> Bool {
     switch (a, b) {
     case (.initial, .initial): return true
-    case (.loading, .loading): return true
     case (.finished, .finished): return true
-    case (.releasing, .releasing): return true
+    case (.loading(let isDragging1), .loading(let isDragging2)) where isDragging1 == isDragging2: return true
+    case (.releasing(let progress1), .releasing(let progress2)) where abs(progress1 - progress2) < 0.01: return true
     default: return false
     }
 }
diff --git a/PullToRefresh/UIScrollView+PullToRefresh.swift b/PullToRefresh/UIScrollView+PullToRefresh.swift
old mode 100644
new mode 100755
index 37f7e4b..e1a134d
--- a/PullToRefresh/UIScrollView+PullToRefresh.swift
+++ b/PullToRefresh/UIScrollView+PullToRefresh.swift
@@ -67,7 +67,7 @@ public extension UIScrollView {
         sendSubview(toBack: view)
     }
     
-    func removePullToRefresh(at position: Position) {
+    func removePullToRefresh(at position: Position = .top) {
         switch position {
         case .top:
             topPullToRefresh?.refreshView.removeFromSuperview()
@@ -84,7 +84,7 @@ public extension UIScrollView {
         removePullToRefresh(at: .bottom)
     }
     
-    func startRefreshing(at position: Position) {
+    func startRefreshing(at position: Position = .top) {
         switch position {
         case .top:
             topPullToRefresh?.startRefreshing()
@@ -94,7 +94,7 @@ public extension UIScrollView {
         }
     }
     
-    func endRefreshing(at position: Position) {
+    func endRefreshing(at position: Position = .top) {
         switch position {
         case .top:
             topPullToRefresh?.endRefreshing()