800-814-5373 - Has anyone heard about Web Payday?

I would do it this way: 1. Demand a refund from them. 2. When they say no (and they will), file your complaints with your state AG office. 3. Start a file and track all documentation with them.

I have already done those things and told them that the only way I will communicate is through email. I have sent them the polly letter a few times, but I didn't request a refund and they will never respond to my emails.

since you filed AG complaints.i woulf file follow-ups and point out that C&D letters are being ignored.also point out the amount overpaid and you would like it refunded.

I sent them this today:

After taking a loan with your company, I was made aware of my state's payday lending laws, which you are in violation. Going by my state payday lending laws I have overpaid by $450 and I am requesting a refund. If you do not comply I will be contacting the BBB, Federal Trade commission, and your Attorney General's Office again. I will also let them know that I have sent you a Cease and Desist letter, but you still continue to contact me a work.

And they responded with this:

In response to your email, we have waived your remaining balance and closed your account out as paid in full. If you have any additional questions, please feel free to contact us at 1 800 814-5373. Regards,Web Pay Day

Thats great, I'm sorry you didn't get the refund, but at least you are done with them :D