What to do next ?

Paul stick to your guns they will tell you anything if they feel there scaring you with there crap there telling you.....figure out what you owe them and try to make payment arrangements with them only what you can afford and if you overpaid them don't pay them anything.Contact your AG's office and BBB and FTC and keep in touch with them....maybe someone with more knowledge then me will come along and give u more advice

Oh, paul, I've gotten so many responses from my pdl's spouting their state laws. To hell with their state laws. Tell them you're abiding by YOUR state laws. Keep telling them that over and over and over. Because they'll argue your head off! Stick with YOUR state laws and they can stick theirs up their butts. You are correct in abiding by your state laws. Don't let them blow smoke up your butt. I've gotten some refunds and I've gotten some that complied with my state laws. The others are just jerk off's that want to fight. But stick to YOUR laws. They'll tell you that they're basically "doing you a favor" by complying with your state laws. No. They know they were wrong. But it works with some, but, like I said, others will fight. Just keep on sticking to your laws and tell them again and again and again. And FILE THOSE COMPLAINTS! Sometimes the complaints alone will light a fire under their butts and they'll cooperate.

paul,

It sounds like your lenders are all internet. I'm not sure if I saw your other post but I don't have the best memory. cannr and lostlady are right, stick to your guns and file those complaints. This is standard pratice for an IPDL to say these things. I know Illinois takes the complaints very seriously and has a great AG :-) Your state does allow a payment plan and no rollovers are allowed. You would also want to file complaints with the Illinois Division of Banking.

I'm sorry, it would be the Division of Financial Institutions in Illinois.

I can see this question (what state has jurisdiction over an IPDL) going to the Supreme Court at one point. In the meantime, stand your ground and follow your state's laws.