pdl's

when you signed up with these companys did you know they were illegal? Did you knowingly allow them to debit from your account knowing they were illegal? You have a right not to want to do buisness with a company breaking the law. I doubt these illegal PDLs could say you purgered yourself.
they offered you an illegal loan, presenting it as legal. Under that guise you allowed them ach authorization. You have the right to revoke ach Authorization anytime. PDLs are required to state that in there contracts.

I read that all important fact on a website. I'll try and find that for you.

FOUND IT!
Your Rights on Electronic Payment of Payday Loans

Consumers have the right under either federal law or industry rules to stop a payday lender from electronically taking money out of a bank account. This does not settle the debt but these rights help consumers stop the drain of repeated finance charges or bounced check fees while working out payment arrangements


http://www.paydayloaninfo.org/chelp.cfm#11 this website goes into all that plus other helpful info