Where do i start with these payday loans?

Welcome to the forum! You????????ve been paying refinance fees, which are not applied towards the principal of the loan. They basically just keep rolling the loan over every pay period. To pay it off, you have to pay the amount borrowed plus the finance fee. Did you take the payday loans out online, or are they all storefront? Most online lenders charge illegal interest rates/finance charges on their loans and are not licensed in all states. Here are the Missouri Payday Lending Laws. Compare the interest rates allowable in your state for payday loans against the interest rates you are being charged by the payday lenders to see if they are charging an illegal rate. Also, check how many times loan can be rolled over, as internet payday lenders will usually keep rolling over loans indefinitely, which your state may not allow.

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

To take back control of your money, consider closing your bank acct. and reopening a new one somewhere else, or tell your bank you feel that your acct. info. has been compromised online and you want to close existing acct. and open a new one with them. This way the payday lenders cannot keep taking out fees. Once you have reviewed your loan documents and determined whether or not you've been charged an illegal interest rate, number of loan rollovers not in line with your state laws, etc., figure up how much you have actually paid to the payday lenders in fees to date. Send them a letter via certified mail/return receipt requested, quoting your states payday lending laws, and tell them you have more than paid your loan back according to these laws, number of times loans were rolled over were illegal according to your state's laws, etc. Demand that they mark your loans as "Paid in Full", and request that they issue this to you in writing. Inform them that you have closed your bank acct., and they are no longer authorized to debit funds from your acct. Also, advise that you are filing complaints with the BBB in the state the payday lender is located in, as well as the Missouri Attorney General.

This means you cannot be made to pay more than 75% of the loan in interest. So if your loan is $200, and you've paid back at least $150, then all the money you paid after you reached $150 should go towards principle.

How much did you borrow for each loan?