need help with the PDL collection phone calls!

They are illegal in MA http://www.paydayloaninfo.org/state_detail.cfm?id=MA
is the link to your state's pdl laws. You need to file a complaint with the AGS office and tell these idiots you are done with them. You are only obligated to payback the principal. Close your account. Send them settlement letters inserting your state's pdl laws and let them know you have filed a formal complaint with the AGs office. They will say they only have to follow their state's laws, that's a lie, and they will threaten you with all types of illegal threats. Don't be intimidated, they are lying.

Here's the link to Polly's internet pdl settlement letter, just insert your state's pdl laws and demand they mark your account paid in full, while your at try demanding a refund. e-mail, fax this as many times a day as you wish, harass them with it the way they are harassing you.

Sorry, here's the link to the letter: http://pollyandsay.yesdebtfree.org/template-letter/

When your bank disputed with the loan company and got the charges reverted, the company left the proof that they don't have any reasons to collect money from you. Talk to them confidently and get a PIF in writing. They should send you a mail with your account marked closed.

Once you get this letter, show it to the collection agency who must also stop their calls.

Keep a check on your credit report. They should not hit anything negative in your credit file. If they touch it, there must be a legitimate purpose for doing it. I think they don't have any.

thank you both soo much. I know that AG is the Attorney General, but what is a PIF that I should get in writing?

PIF stands for "Paid in Full" letter. This is an important proof from the company that you don't owe any further balance. If you have this proof, the collection agency cannot collect anything from your because the debt is satisfied.

OK, thank you again aciotsf. I am just wondering tho, would they even give me a PIF letter - because they insist that everything that we paid (at least 2 times the principal) was for interest or "processing fees".

You will have to recite your state laws to the lender, because I think they are trying to misrepresent your account. They need to prove that you still owe them. You should get the letter after you are informed about your rights and backed by your state laws.