I have been sending an email every single day (sometimes twice a day) to a payday lender since July 15, 2010 asking for a refund and a paid in full letter. Yes, you read it right since JULY 15, 2010 every single day. Well, today I got a letter in the mail from the payday lender. I thought "oh good, I am getting my refund." WRONG. It was a letter from the payday lender asking me to cease and desist all emails to them as I was harassing them.