Took a $700 loan after paying back $500 + $707 interest.

You overpaid your old loan because you went by their rules. Then you took out another one and realized after the fact that they are an illegal lender. Pay them back whatever the legal interest and principal is in California and use the overpayment on the last one as the reason you are only paying them the principal plus legal interest. They will fight you on that but at least you will win. If you try to apply your overpayment to your new loan they will not take you seriously. I would use the past interest as the price of education. I am not trying to be cruel but in reality I do not think you would have a chance of them agreeing to that.

You can ask the payday loan company to refund the money that you paid as interest to them but it will be their discretion whether or not they will give it back to you. There are high chances that the payday loan company won't refund the money that you paid as interest.

I know it's a long shot but I'm so mad right now. I would never had needed a second loan from them if they had followed CA laws with the first one. If I had only had to pay $45 interest on a $255 loan like the legal storefront one then I wouldn't be in this situation. I would've had the money I needed. They charged me $150 every two weeks four times without lowering my principle balance on a $500 loan. I know it's partly my fault but they shouldn't even be loaning to anyone in CA in the first place. Is there any chance I can fight them on this? What can they do to me? I thought it was a fair deal considering they're breaking laws.

As they've broken the rules, you should contact an attorney and take his or her help in dealing with the situation.

I know I should contact an attorney but I can't afford it. I hoped I could work this out myself.

Jordon, you need to close your account, otherwise, they will continue debiting your account or sell your personal account information to other illegal lenders. [URL=http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html]CLICK HERE[/URL] to find out how to deal with illegal lenders.

Oh I know. I haven't sent them anything yet about getting a refund and stopping payment. I'm waiting until I can close my account before I notify them of what I'm doing. I'm not paying them another dime though.