Well, I took the plunge, I sent my first letter out with all the Virginia state regulatory codes listed....why am I nervous...the worst they could do is ignore it, I also emailed a copy to the branch manager at my bank, she is aware of what has been going on and said she would do whatever she could to help. She knows a couple of members on the board of Financial Institutions for Virginia and said something must be done to govern all payday lenders.....I agree