Payday help..

After doing research regarding Internet payday loan laws in the State of MS, I have found that your Internet payday loans are actually illegal/Unlicensed in my state. I have also found the following laws to be true applying to payday loans in the State of MS in general:
Mississippi State Information

Legal Status: Legal (Applies to check cashers only)

Citation:
Miss. Code Ann. § 75-67-501 et seq.

Loan Terms:
Maximum Loan Amount: $400
Loan Term: Max: 30 days
Maximum Finance Rate and Fees: 18% of check
Finance Charge for 14-day $100 loan: $22
apr for 14-day $100 loan: 572%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified
Rollovers Permitted: None (cannot renew or otherwise extend)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: NSF fee; Court-awarded fees (if disclosed)
Criminal Action: Prohibited (When check returned due to NSF)

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Preauthorized transfers. I have closed my account with my bank to protect my interest in this matter, per instructions from The Department of Finance. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected.

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General's Office.
I prohibit you or your affiliates to contact me via telephone at my place of employment or my home
telephone number. I also prohibit you from calling my references listed on my loan.

Due to the fact that Internet payday loans must be licensed in the state of _MS___ to be a legal and binding contract, your company should NOT issue loans to _MS___ residents at all. I am requesting that you send me your license number which enables you to offer loans to _MS___ residents.

The legal amount that could have been charged to my loan is the principal amount, after looking over my records, I have paid over the principle amount owed and would like you to send me a letter or email stating my account has been marked paid in full. I must also inform you that I will be filing complaints with the Better Business Bureau, the Federal Trade Commission, and the Attorney General's Office in my state.

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted.

Sincerely,

Jerica
CC:
Better Business Bureau
Ohio Attorney General
Federal Trade Commission