Payday Loan Help in Texas

Bayside Cash is illegal in Texas. This implies that you're only required to pay the principal amount. You don't have to pay fees or interest rates.

Bayside Cash is an illegal lender. So you owe principal only. Don???t pay them any interest or fees. Close down your old bank account fully. Ask them for a refund as you have paid them more than principal. Visit this link to know how to deal with illegal lenders:
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html

Where is Shazzy on this? :p I cannot believe how easily I was suckered back in each time.

This sound ok to email them today?
Dear Bayside Cash,
It has come to my attention per my debt consolidation attourney that payday lenders must be licensed by the state of TEXAS in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. To date 10/4/2012, I received deposits for a total of $1850, and have had bi-weekly withdrawals debited from my account for finance charges and repayments with a total of $2555. This results in an overpayment of $705.
At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the $705 overpayment. A refund check of $705 should be mailed to me at the address you have on file.
I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.
Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.
Thank you,
(My Name)
(PO BOX ADDRESS)

Get a little tougher and demand an email and demand a refund.