Need help with PDLs in New York, NY

I was hoping to get some guidance in breaking my four year cycle of payday loans. I’ve been looking around this forum for a few days and I have a grasp on what I need to do, but want to make sure I don’t leave anything out. Plus, I could use some advice if anyone has dealt with Chase Bank before.

First, I’m opening a new checking account with another bank and redirecting my payroll there. I then go into Chase to close my account. How do I approach the bank regarding blocking ACH transfers? I explain that I’ve been victim to predatory lenders which I’ve learned are illegal in NY? Do I have to know all the variant names that have appeared on my bank statements from the PDL’s transactions? Is there a way to discuss this with Chase’s ACH department directly?

Next, I fax and e-mail each PDL a letter. Can someone link me to the NYS laws? Will faxing and e-mailing be sufficient or do I need to send a registered letter as well? I don’t have addresses for a couple of them and a couple that I do, the only address I have is International. Can anyone provide me with missing addresses or fax/e-mail or correct my info if necessary for the companies I’ve listed below?

Currently have loans with the following internet based PDLs:

my cash now - $700 (paid approx. $500)
{NEED – fax number}
mycashnow.com Inc.
Apartado Postal 0818-00568
Panama, Republica de Panama
or
207-1425 Marine Drive West
Vancouver, British Columbia
Canada V7T 1B9
866-398-2274 / 866-392-2274 / 866-276-0490
support [@] mycashnow.com
webserver [@] cpsloans.net
www. mycashnow .com

Cash Today 4 U - $500 (paid approx. $1500)
{NEED – address, fax number}
800-680-2177
payment [@] cash2day4u.com

The Cash Spot - $500 (paid approx. $250)
American Consumer Credit/The Cash Spot
American Consumer Credit, LLC
42 Reads Way Suite 124
New Castle, DE 19720
866-443-9971 / 9896 / 9968 / 9969 (fax)
customerservice [@] thecashspot.com
www. thecashspot .com

PayDay Services - $800 (paid approx. $200)
FFD Resources III, LLC d/b/a Payday Services
PayDay Services
P.O. Box 29502 #15050
Las Vegas, Nevada 89126-9502
800-420-8023 / 8024 (fax)
loans [@] paydayservices.com
www. paydayservices .com

National Money Store - $700 (paid approx. $250)
{NEED – address, fax number}
877-913-7500
admin [@] nationalmoneystore.com
www. nationalmoneystore .com

PayDayMax - $200 (paid approx. $130)
paydaymax.com Inc.
Old Airport Road, The Valley
Anguilla, B.W.I.
877-937-3729 / 866-427-7963
877-729-9682 (fax)
support [@] paydaymax.com
www. paydaymax .com

After contacting all PDLs, what’s my next step? To be honest, if these are truly illegal, I do not intend to honor the balance of these loans. Like I mentioned, this has been a horrible cycle of borrowing from one PDL to pay the other, just over and over again. In 2008 alone, I gave these companies collectively over $8,000 in finance and rollover fees… $8,000 in addition to the original loan amounts! I just can’t do this anymore. Half my net salary is going to pay these fees without ever touching the principal.

Any help or comments would be greatly appreciated!