I have been trying to work with payday ok and they are so rude. I asked them if they were licensed in Washington to do loans, the said no as of 10/18/05. So then I responded back that the finance charges that I have been paying since them should have gone to pay off the loan. They responded back that I have to pay the finance fees until the loan is paid in full. Am I missing something? Can they still charge me finace charges as I pay this down.