So I have written my cease and desist letter and emailed it. Then I emailed a follow up. I have not heard a response back but I only emailed it yesterday. Here is what I sent to Payday Services.
Letter One
Date: June 9, 2009
PayDay Services
MY NAME
MY TOWN, Oregon
Account #MY ACCOUNT NUMBER
After doing research regarding Internet payday loan laws in the State of Oregon, I have found that your Internet payday loans are actually illegal.