I have 6 payday loans,,, 3 of them are with "affiliated" companies,, the amount loaned was about $1300.00, I am not sure how much I paid, I do know that I did NOT pay anything on one of the loans and I sent several emails (they never called me when I defaulted, anyhow I "copied and pasted" some state payday(Illinois) lending laws and "cease and desist" requests, even though they did not contact me, just so they did not contact me at work, and low and behold all three responded to my emails and said "we are sorry you were not happy with the service we provided, consider your loan paid in FULL"