melody 1) You cannot be arrested, 2) if they are not licensed in Washington State you have no legal obligation to repay the loan. That said, if you havent already close the checking account they have access to and open a new one.
Stating the following:
To Whom It May Concern
It has come to my attention that you a payday loan I have with you was made in violation of Washington State Administrative codes governing Check Cashers/Sellers and Payday Lenders (Chapter 208-630 WAC Check cashers and sellers - regulation of), wherein it states that payday lenders are required to be licensed by the State of Washington. This law applies to any payday loans made to Washington State Residents regardless of the state of origin or contractual jurisdiction agreements.
Because you were conducting payday lending business in violation of this administrative code and the governing law directing its creation. This violation renders our contract illegal in the State of Washington, rendering ay terms agreed to therein null and void. Under the above noted law, loans made illegally are not collectable.
Effective immediately, I hereby permanently revoke any and all authorizations, assignments or rights granted to __insert name here__, their successors and/or assigns to electronically access any account owned by me. This revocation includes any presumed, implied or express POS authorizations, or wage assignments.
On advice of counsel, prior to either initiating civil action and/or requesting that Washington State authorities investigate your business practices (including those of any potentially related businesses) I am requesting that my account be closed kith a zero balance. Understanding that this request is an attempt to avoid pursuit of other remedies, I am willing to agree in writing not to pursue additional civil action to seek redress.
I may be willing to explore other options to resolving this situation and I look forward to your written reply
consumer complaint hotline at (202) 442-9828 or contact OAG online at 
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