I have been taking aout a Payday loan biweekly for almost a year now. I horrible practice I know, but after I pay it back I don't have enough money to stop it. I recently switched banks but could not get CTC to switch my account to my new bank. So they took it out of the old bank in two sums of 266.70 and one was paid by my bank, the other returned. I found the cease and desist letter online and seen they were illegal after reading all this information. I am stunned that I have given them so much money, several thousands of dollars. So I wrote them a letter stating I would only pay the principle banlance. Since they have already taken out 266.70 I would only pay them another 154.80 and I would call that PIF or they can just be included in my bankruptcy. I had a rep call me this evening and tell me they have been doing business in KS for years and she isn't sure what I am talking about but if I send the letter again she will talk to her supervisor and see what she can do about settling. I will pay back the 154.80 since that is what I owe them. But it won't be from my new checking account and it will only be after I have something in writing saying my account will be paid in full!