repayment for illegal loans in NC

In most cases you probably won???t get a refund especially if they are illegal. Nobody can force them to give you the money back. Look at this page to know how to deal with illegal lenders:
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html

There is an even chance of getting the excess cash refunded. Just depends on your luck and how hard the State AG is on these illegal lenders. NY has a history of hammering illegal lenders into refunding people who paid excess.

that's nice steve,but the OP is in NC,not NY!both states totally prohibit pdl's,but that is the end of the similarities.

So far I have been contacted by 2 of the 3 lenders saying that they are reviewing my documentation and they will get back to me within 3-4 business days. I have logged into all 3 accounts and 2 are showing a zero balance, with no new due date, and it also states that the account status is unavailable at this time. The 3rd lender (Cashjar) just has under account status to contact them immediately.

So far so good, i'm hoping they will grant me the refunds owed to me as that would be a great deal of $$. Thanks again for your help guys.

After 3 emails I finally heard from CashJar today. They agreed to settle my account for $356.62 if I contacted them within 48 hours of the email. If not my account would be sold to a collection agency. I knew this was bogus thanks to this forum and called them immediately. Apparently my file was now in their collections department even though I havent defaulted on the loan b/c another transaction wasnt due to take place until another week. So the first customer service rep. in their collections department tried to argue with me over the fact that they operate under Belize law. I told her that Belize law doesn't apply to US law nor NC law. I said until she can get over that fact I still demand a refund. So after 30 minutes of back and forth and her obviously losing the argument she transferred me to her boss. Her boss comes on the phone and she says your case has been reviewed by our legal team and you have a $0 balance but we will not be refunding you any $. She went on to state that I was getting a great deal because I still owed them. I told her that her company was a joke and it was impossible for me to owe them anything when their contracts are illegal in the first place. So I told her im moving forward with the NC Attorney General, BBB, and FTC. Our conversation ended on that note but im going to keep fighting for the return of my overages.

Do not waste time or energy on offshore loans...no one in the US can force them to pay.