overpaid pdl?

Sorry, I am in VA and these are my pdls:
Cash 2 U- $400- pay $60 every two weeks
Check into Cash- $500- pay $75 every two weeks
Quik Cash- $500- pay $75 every two weeks
Check N Go- $500- pay $75 every two weeks

DMB, I will post Payday loan laws for Virginia here (just select your state), Please tell us in total how much you have paid back. Every 2 weeks ????Just add it up and give us a total

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

are those store fronts?

They are all store fronts:

Cash 2 U- $400- to date I have paid $960- interest 391.75%
Check into Cash- $500- to date I have paid $1,200- interest 451.78%
Quik Cash- $500- to date I have paid $525- interest 451.78%
Check N Go- $500- to date I have paid $750- interest 451.78%

I see that VA law is that they cannot charge above 390% but all of mine are higher, is there anything that I can do? I am struggling to pay these and I'm not even touching the principle amount...just the interest. HELP PLEASE, I AM DESPERATE.

Please keep this all on one thread. I answered on your other thread and just realized there were two.

Sorry, I just joined this community and I'm not sure how to get around, I don't even know how to check to see if someone has responded. Thanks!

Register as a member and you will have a place called "my threads" where you can find all your posts. You will also be entitled to free counseling! There are many people here to help you. Many of whom share your experience!

Can you provide a bit more information?

Cash 2 U - Are they charging you $60 interest?

Check into Cash- Are they charging you $75 in interest?

Quik Cash- Are they charging you $75 in interest?

Check N Go- Are they charging you $75 in interest?

The reason I ask is because the apr of 391% is just an example, not the law. They are allowed to charge 15% of the amount borrowed as the fee. Depending on the term of the loan, it will have a higher or lower apr.

The lender is permitted to charge interest in the form of a fee not exceeding 15% of the money advanced (i.e., $15 per $100 advanced). The 15% cap applies to all payday loans regardless of the loan term (the number of days between the date the money is advanced and the specified due date). For example, if the lender advances you $300 for 7 days, the lender may charge you up to $45 as a fee for the loan (an APR of 782%). If the lender advances you $300 for 14 days, the lender may charge you up to the same $45 fee (an APR of 391%). If the lender advances you $300 for 30 days, the lender may charge you up to the same $45 fee (an APR of 183%). No additional amounts may be directly or indirectly charged, contracted for, collected, received, or recovered by the lender other than the specific fees and costs the lender is entitled to if you fail to repay according to the contract.