Help with PDL's

I have 3 internet PDL's and I live in Illinois. Could someone help me? I'm not sure what steps to take....

PayDay One

Magnum Cash Advance

1800899Cash

I don't think that these lenders are licensed in the state of IL. However, you should recheck the Division of Financial Institution website "http://www.idfpr.com/dfi/ccd/ccd_licensees.asp". To know how to deal with illegal lenders, you can visit the link dealing with illegal payday lenders.

Payday One is a licensed lender, you will need to make payment arrangements with them, ask them for the EPP (extended payment plan).

I have been checking my balances on these loans and here is what I've paid.

Magnum Cash Advance borrowed $535. and I've paid back $415.92 I have 2 payments left at $256 each.

1800899cash borrowed $300 and I have used the reup feature several times so I went back on my bank statement and found that I have borrowed since 5/2008 a total of 1054.28. I then went through all of the payments that I have made since 5/2008.....I have paid back 1645.73. That is so depressing....I can't believe I have fallen into this trap.

Thanks for the info on Payday One. Does anyone know if they work with you on the EPP?

Pay Magnum back what you borrowed plus the interest allowed in your state. Close your account and be done with them. Here is an article on dealing with payday lenders. Please do not click on the pdl adsense! http://tinyurl.com/pdltrap

You do not owe Payday One a dime! Demand a refund!

I called and spoke with my bank and they will close my account when I'm ready. I made sure to ask about the ACH reopening my account and she said that wouldn't happen.
My next question is: Payday One is legal and I still owe them money. Will I be okay to give them my new account? Should I ask to send them cash?

I called and spoke with my bank and they will close my account when I'm ready. I made sure to ask about the ACH reopening my account and she said that wouldn't happen.
My next question is: Payday One is legal and I still owe them money. Will I be okay to give them my new account? Should I ask to send them moneyorders? Will they work with me on an EPP?

I am just curious frogpatch, why would the poster not owe Payday One a dime? Did the original poster state how much was paid to them, I'm pretty sure they are legal in Illinois. I can see why the OP wouldn't owe the illegal lenders but the OP never stated how much was borrowed and paid back to payday one, unless I am missing something here.