Email or snail mail...or both?

Absolutely not an overkill. I did the same thing and it worked for me:)

Best of luck!!

well it depends.with e-mail they can still claim they never received it.with CMRRR and snail mail once they sign for it they can't deny never getting it.some have had success with e-mail.it's your choice.i would wait and see how they respond to the e-mails before following up with the snail mail.

Well, I sent the emails last Tuesday and I've heard nothing so far. No phone calls, nada. The only thing is that I can no longer access my account for 3 of them. Tells me to email 'compliance'.

I would do both, it cannot hurt and snail mail proves you really sent it.
when emailing them, make sure you do not use your company's email, they will try to threaten you for that.

The old "lock Out" tecnique eh :rolleyes: Well this is famous with Illegal lenders, trying to put you in a panic mode of some sort. I suggest waiting untill they contact you.

If you email the compliance department, resend the same proposal letter you sent before :)

Send them an e-mail demanding all future communication take place via snail mail. Send it to their address if you have it as well. This is not an unreasonable request, as e-mails such as ones sent by PDL companies are often flagged as spam by filtering algorithms. This demand serves the purpose of forcing the PDL company to play the role of a legit company. snail mail communication = the company's request for usurist interest, doing business without a license, potential racketeering (in the case of companies "backed by a bank") becomes documented.