Question....Ameriloan (do I really owe them now)

I am in Flordia. I have had an account with Ameriloan for about a year. I got 4 loans in 7 months, 3 of which I paid off, I am now in the 4th loan. Here is my Question.

Dec 2009 Loan for $300.00 paid $360 in extensions, then paid it off another $390.00 in Feb 09

Feb 2009 new re-loan 300.00 paid $360 in fees for weekly extensions, then paid it off another 390.00 in April

April 2009 new re-loan 300.00 paid 180 in fees for weekly extensions, then paid it off another 390.00 in May

June 2009 new re-loan 300.00 paid 180 in fees for weekly extensions, then I closed my account, to get out of the PDL Cycle.

Now I have paid this company $1,080 in just extension fees for 4 loans over the last 6 months, 3 loans of which I paid off. Do I owe them anything for the last loan I got in June where I have only paid $180 in fees so far???

One more thing, Ameriloan gave me 4 loans over time of $300, that is a total of $1,200. I paid 3 of the loans off $900. I have one loan still open for $300. Now this company has taken 1,350 in fees over 7 months as well. I have given ameriloan $2,250 dollars!!!!!! That is why I want to know if I legally owe them for this last loan in June.

They are not a licensed lender in FL, this means all that you owe them is the principal amout your borrowed, not a penny more, no fees, no interest! CLICK HERE to find out how to deal with illegal lenders. I'm sorry to tell you this, but there is only one sure way to stop the withdrawals, and that is to close your account. If that isn't an option, then tell the bank to put a hard debit block on your account. Before you close your account, read this information at the link below. http://www.debtconsolidationcare.com...e-account.html

Please do not let any of these pdl's know you are going to close your account, until AFTER you have done it!

So here is my question - For example, you borrow $400 from PayDayMax, you pay the principal and the fees back (say $450) then you borrow again, (say $350) and pay back principal and fees. Then you borrow again (say $300) and find out they are illegal and only need to pay back the principal. Can you use the excess money from the two previous loans to reduce the balance due on the third loan. I ask because I have that situation and if I could do that it would save having to pay $480 to PayDayMax. Do you understand what I am saying.

In my opinion, yes, they were never entitled to ANY fees or ANY interest - period since they were not licensed to lend.