A few weeks back, we revoked ACH authorizations and sent C&D letters to the 6 companies we had payday loans through (all internet, all illegal in Illinois). We closed our bank account as well and when payday rolled around all seemed okay.
Of the 6 internet lenders we had loans through, only ONE - CK Marketing - attempted to debit our account and they were denied. They have also sent me e-mails, called my home, my cell, my office and one of my friends.