my cash now pdl advice

while doing some research on the records i have kept on this ..the amount that they claim was taken was 500 and it was done online.. b.c i told the lady who called me that my ex had done this to me ..and she was like do you have any proof of this .. seems this was applied online.. so yo have no proof he did this b.c if you had proof then that would help your case.. but there really is no help.. since i am unwilling to make a payment.. at this time till i get something in writing.. i have only received 2 emails in the last 4 years.. and i don't really know what to do I'm at my end with these people ..

Lending of payday loan is prohibited in the State of North Carolina. That???s why none of the payday lenders are licensed to operate in your state. Illegal payday lenders can???t take any legal action against you. You are required to pay only the principal amount as they are not licensed in your state. To know about how to deal with illegal payday lenders, glance through the following link:
http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html

since mycashnow is not located in the US it is a totally illegal lender,and it is up to them to prove you owe this not vice versa.next time this idiot calls demand something in writing sent USPS not email.then you file AG,AND FTC complaints against them.after that when they call hang up without a word.don't let a complete pile of illegal pdl garbage stress you.demand the letter,file the complaints and do not engage them further.a waste of time.

Do what paulmergel says. If they call again, dont' admit to owing anything over the phone, tell them they MUST send you something in writing. I don't think these people are even located in the United States. I'd also suggest contacting your States' financial regulatory agency about what happened.