New York Banking Authority - pay day loan help

My loans with sandpoint and sagamore have been turned over to AIS Services - which seems legit

got news for you.PDL'S are prohibited in NY.many members in NY got there PDL'S dealt with through AG complaints.whoever you spoke with was wrong.also AIS is a bottomfeeder collector.
two questions

how much borrowed total
how much paid total.
if you have paid the princple in fees you are done with all your loans.sometimes a states branch governing banking will say that.file AG complaints against your pdl's and AIS.

Thanks. i borrowed 300 total from each lenter and have paid well over 600 in finance fees to each. i will contact the AG, but what should i tell the collection agency and other lenders so that they stop contacting me? thanks so much for your help

i'm guessing AIS never sent you anything in the mail.if you search AIS in the bar top right that will have the address.send a DV and C&D letter.send them certified mail return receipt.you
actually should send emails to those pdl's demanding a refund.seeing as you paid double what the loans were.your AG can help you with this too.

Paulmergel is correct. NY prohibits pdl's.
All you morally need to repay is the principle amount borrowed. Your state laws prevail. It does not matter if a pdl is licensed somewhere else. it is not legal in NY