I want to get an opinion on letters i'm sending to my pdls

Date

Company name
Address

RE: Payday loan acct:xxxxx

To Whom It May Concern,

As of today, September 4, 2006, I do not authorize xxxx, nor any represzentative, parent company, affiliate, or subsidary of xxxxx to withdraw any funds from the checking account under, xxxxxxx, acct. # xxxx, bank name and address.

Your company is in violation of Ohio Revised Code Ann 1315 et seq.(gave text here) And Ohio Consumer Proctection Law1345.03 by committing "Unconscionable consumer practices".

Your claim that the contract I signed is only goverened by the law in which your company resides is unsubstantiated. Your company solicited, accepted, and transacted business with a citizen of Ohio. Thus you are subject to the laws of this state.

I am offering xxxxxx an opportunity to settle this account. To date I have paid a total of $875 ona $300 payday loan with your company. $630 in interest/fees and $200 on the principal balance. Since Ohio law only allows a maxium of $55 to be charged on a $300 payday loan, I have been illegally charged $575 in interest and fees. I am expecting xxxxxx to mark the account paid in full and a refund of $475, the amount I have been overcharged.

All telephone communication to my home or place of employment are to cease and desist. All correspondence as of today shall be in written form through e-mail or written letter through the United States Postal Service.

I would like to thank you in advance for your prompt attention and cooperation in the matter. Also, please be advised that a formal complaint has been filed with the Ohio Attorney General's Office on August 30, 2006.

Sincerely,