live in ny, payday loan help

Ok. So. I live in New York too. And everyone in this forum says the same thing. PAYDAY LOANS ARE ILLEGAL IN NY!
I am sure someone with more knowledge will come along and help you out a little more. I had 5 payday loans and now I am dealing with 1! Gotta love ny!

And it looks like you overpaid with a few. I'd say you only owe the amount that you recieved. Principal amount.

But wait for someone with more knowledge.

Good luck

yeah i keep getting emails saying payments made on prior loans were made according to the contracted rate and will not be applied to your current loan.

because i was just going to add up what i have gotten deposited in my account and see what i've paid them and already have overpaid.

but they are still saying i owe on my current loan 390 dollars

hope someone could answer this. and i already sent out the letters and everything else, but they wont budge.

note all these loans are from same lender "ameriloan" that i have stated above.

where do i go from here

They are ALL illegal as you live in NY.

Tell them their contracts are dirty anyway and you will not be paying according to those terms; you will return only the principal.

thank you,
so could i say i have overpaid them on the past loans and add that toward the current loan and do not owe them a penny since the money that was given to me is less than what i have already paid and current and prior loans?

Yes you can/should say that. Lets not forget these were illegal in the 1st place. They'll hound you but stay strong. I hope your checking account is closed.

thanks again. and yes i did close my checking account.

Update as things progress..........

Did you close your bank account? Do that. You can reopen one with the same bank right after they close it. Make sure you do that cause the companies might still try to take the money out even if you revoke ach authorization.
GOOD LUCK!