Need help in VA

I was almost at my wit's end before I stumbled upon this site. Looking over the threads I am receiving a lot of encouragement that I can get out of this. This is my problem:

Regardless of the start, I have been abusing pdl's for about 10-11 months and am fed up with it. I have vowed to not take any more out but I want to know how/if I can stop the current loans. I have 5 outstanding pdl's through:
WebPayDay.com ($400 loan, $762.5 paid)
UnitedCashLoan.com ($300 loan, $925 paid)
ameriloan ($300 loan, $645 paid)
I think CashBorrowers (it processes as an ACH from EDESC, which is how I found this site) ($500 loan, $1535 paid)
and B.I.G. Limited ($200 loan, $545 paid)

All of them are online. I live in Virginia and see on the link from one of the stickies that renewals and extensions are illegal. Any information on what I can do to get this to stop would be appreciated. They have their money and then some, I want my life back.

Hi there. You have certainly overpaid! You are due some refunds, it looks like. I think that your first step would be to close your checking account and regain control of your money. Then start sending them cease and desist letters and letters asking for PIF and refunds.

try this letter....


http://www.debtconsolidationcare.com...tter-used.html

jay-that letter is fine...looks pretty familiar actually but if someone has overpaid, then the amounts paid should also be spelled out. just my suggestion....

yea, someone gave it to me here and so i thought i would share it, but now that i think of it you maybe right, on some of those she should be looking for a refund, just throw that in there some where

Looking over the letter it looks like I am asking them where to send money. Since I have already paid them more than my principle, how should I phrase that so they are not expecting a check payment from me. Sorry if I sound stupid in all of this, but I appreciate your help!

I can post the letter here....be right back.

Clean copy:

Revocation letter format http://www.debtconsolidationcare.com...on-letter.html

This also revokes any possible wage assignments and revokes ACH authorization.

nice mom

WOW! I can't thank you all enough. I'm doing a site search for addresses right now. Does anyone have the address for ameriloan or UnitedCashLoan? Thanks again!

ameriloans
2533 N carson st. STE 4976
Carson City, Nevada 89706

How do I file complaints with the FTC and the AG office? In VA what laws do I need to consider before closing my account? Thanks again for all of your help, you guys are life savers!

Read this before closing account

http://www.debtconsolidationcare.com...e-account.html

I spoke with my bank and when I close my account they will not allow any postings to reopen it. My problem now is that my next payday is next Wednesday, which leaves me tomorrow to notify these crooks to not debit my account. Any advice? Also still looking for answers on how and what to report to the BBB, AG, and FTC. Thanks so much you guys!

Your account is already closed? And they are set to debit next Wed?

If the account is indeed closed, no worries. You can send them the letter I posted but most of them will still try to debit anyhow.