what do you do when they ignore your letters?

What are you requesting? 5 days is not a long time. Letter has to be routed, read, response typed and then mailed. It doesnt happen overnight.

I had the same problem. I figure I will get responses after tomorrow when they learn the account is closed. From what I have read on here, send the letters by fax and/or email every week until you get the response you need. I sent a second fax to my PDL's yesterday and actually got a response today. Not the one I wanted but it was a response. I replied with gist of the original letter again. Once they can't get their money, they will be responding!

Agreed, once the PDL realizes the ACH has been revoked they will call. Untill then send the proposals, file your complaints, ad await their response. It just takes time.

i understand it takes time. i was just wondering if they know they can take their time giving a pif letter to us. how do they know you are serious?

You dont, you just stick to your state laws. If they are unlicensed then their is not much they can do to you Legaly. Some may contact you right away, and some may never contact you at all. It is hard to say because every case is different.