How to go from here

Here is a list of the lenders, I sent letters and closed my accounts but they are telling me that the refinance fees are not considered as part of the principal. Some have not responded. Cashnet/NLS when I called to check my account it no longer exists does this mean they are going to put it to collections or stop trying? I live in MA and they are prohibited, the laws seem very similar to NY is that correct?

Lender Finance Amt Deposit Amt Paid to Date

Cash Direct 379.50 300.00 318.00
Cash First 390.00 300.00 360.00
Arrowhead 390.00 300.00 180.00
Total Lendin 390.00 300.00 360.00
Loan Shop 390.00 300.00 270.00
Loan Shop 130.00 100.00 150.00
Loan Point 390.00 300.00 1,260.00
500 Fast Cas 455.00 350.00 450.00
One Click 455.00 350.00 210.00
CTC 635.00 500.00 0.00
ameriloan 455.00 350.00 420.00
Cash Net 455.00 350.00 540.00
M1Y 390.00 300.00 0.00
My Paycheck 520.00 400.00 120.00

Please help I don't know what to do next. Thanks! You are all great!