2 Payday Loans in NC

Hello,

Below is information on 2 loans that I have open in NC and I would like some assistance on creating e-mails to send to these 2 companies to get them off of my back. I will give the name of the lenders and all loan and re-loan information. I am guessing that if I have been paying these companies fees all along, that should go toward my principal amounts due to payday loans being illegal in NC. (sorry in advance for how long this post is!!)

Any help is greatly appreciated!

Lender #1: 247GreenStreet.com

Initial Loan - 1/4/12 - $300
Paid back - 1/13/12 - 359.94

Reloan - 1/18/12 - $315
Paid back - 1/27/12 - $377.93

Reloan - 1/31/12 - $400
Paid back - 2/10/12 - $479.92

Reloan - 2/15/12 - $350
Paid back - 2/24/12 - $419.94

Reloan - 2/27/12 - $500
Paid back - 3/9/12 - $599.90

Reloan - 3/12/12 - $500
Paid back - 3/23/12 - $599.90

Reloan - 3/26/12 - $565
Paid back - 4/6/12 - $677.89

Reloan - 4/9/12 - $565
Paid back - 4/20/12 - $677.89

Reloan - 4/23/12 - $565
Paid back - 5/4/12 - $677.89

Reloan 5/7/12 - $565
Paid back - 5/18/12 - $677.89

Reloan - 5/21/12 - $565
Paid back - 6/1/12 - $565

Reloan - 6/5/12
Lender ATTEMPTED withdrawl on 6/15/12 in 2 separate transactions of 338.94 and 338.95 causing $70 in overdraft fees

All loans total: $5755
Total paid back to lender: $6226.98
Total paid to lender beyond total principals: $471.98
Total incurred in overdraft fees: $70

Lender #2: USFastCash

Initial Loan: 4/5/12 - $200
Paid to lender: 4/20/12 - $60
Paid to lender: 5/4/12 - $60
Paid to lender: 5/18/12 - $60
Paid to lender: 6/1/12 - $60

Lender ATTEMPTED withdrawls on 6/22/12 for $50 and $60, and again on 6/27/12 for $60, $50, and $30 causing a total of $175 in overdraft fees

Loan Total: $200
Total paid back to lender: $240
Total paid to lender beyond principal: $40
Total incurred in overdraft fees: $175

Please help in drafting e-mails to these 2 lenders and get them off my back and all due refunds sent to me!