I live in ny how do i handle these payday loan companies

In NY, pdls are prohibited. The apr rate for small loans in New York is capped at 25%. When you have already paid your original amount, there is no question of over-paying them.

First of all you should close your bank account. But please also read THIS before closing your account.

Then send letters to the pdl company stating that you are revoking ach authorization.

After this file a complain to New York's Attorney general.

As you have already over-paid, so you can ask for a refund and also for a PIF.

Thanks Phoenix for your response so if i have over payed what i burrowed in just the interest alone then thats it i dont owe them no more what do i do do i call and speak to a rep or email them what should i do iam sure they will giveme a hard time can they sue me i would think not since its illegal here right do i have to worry about this and what i dont get is why do they lend to states that its illegal

Just send them the C and D letters. I also live in New York State and I cleared all of 5 of my PDLs within 2 months. I wouldn't call them. If you can email your C and D letter, I would do that first, in the interest of time, and then you can hard copy them later. If you have paid back what they deposited into your account, you can consider your debt PIF. If you repaid more, you can ask for a refund. Not saying you will get it, but it doesn't hurt to try.

Here is the thread that I think Phoenix meant to post about closing your bank account:

http://www.debtconsolidationcare.com/paydayloan/close-account.html