CashNet USAIn house collection agency TelCollect?)

I need help! I had quite a few pdls out and have been attempting to make arrangements for payments but there has been loss of income in my household since Nov.I've been getting phone calls from TLC (TelCollect) in response to a loan from CashNetUSA. My Original loan was for $300 or $350 and I know that per FL state law that there can be no rollovers and PDL fees are limited to 10% of amount borrowed plus a max fee of $5 for using the stated verification database. I've paid multiple rollover fees but have no record as I kept all of my banking online until my account was closed. I'm almost positive that I've wiped out my true debt to them per FL state law. Does anyone have a sample letter I can send to them to help resolve this matter? I just created a cease communication letter today as they are calling me at work and they are leaving messages for me stating they need my lawyer to contact them on my Mother's voicemail. Any assistance is greatly appreciated.

Cashnetusa operates as a CSO in Florida not as a pdl. Unfortunately this is a legal debt. I had a loan out with them that I had to default on. They are not pleasant at all. But I ended up after a couple of months settling with them for half of what they said I owed. Good luck dealing with them.

pybasj
What do you mean by CSO, can they operate outside of a states laws some how. How can this be?

insuranceappeals
What are they saying that you owe them, do you have a copy of your original contract with them, does it say anything about their operations as far as dealing with a state that does not allow what they are trying to do?
What is their explanation? What do they say about forcing you to pay above what your state allows? I am very curious on this matter?

I don't think they are allowed to leave messages on other peoples machines for you, what are they saying on the machine, anything about the debt that you owe them?