mycashnow payday loan

hello
ive been recently looking into my payday loan thru mycashnow and thru this site ive discovered that payday loans are prohibited in my state, heres what ive got:

1. mycashnow.com
2. internet payday loan
3 What state you live in:new york
4. How much was deposited by each lender:
Loan ID Status Due Date Days Amount Fees/Interes Amount Due
1437229042 Active JUL 19, 2012 14 850.00 189.92 1008.27

143699641 Paid via Bank Account JUN 07, 2012 28 700.00 351.92 0.00
143694128Paid via Bank Account APR 26, 2012 0 700.00 91.24 0.00
1436871133Paid via Bank Account APR 12, 2012 0 550.00 71.69 0.00
1436604229Paid via Bank Account MAR 29, 201242 850.00 500.39 0.00
1436125569Paid via Bank Account JAN 19, 2012 70 850.00 790.42 0.00
1435900295Paid via Bank Account OCT 27, 201114 850.00 371.93 0.00
1435693162Paid via Bank Account SEP 15, 2011 14 850.00 348.19 0.00
1435623562Paid via Bank Account AUG 04, 2011 0 850.00 110.79 0.00
1435493178Paid via Bank Account JUL 21, 2011 14 850.00 259.75 0.00
1435424680Paid via Bank Account JUN 23, 2011 0 850.00 110.79 0.00
1435371044Paid via Bank Account JUN 09, 2011 0 850.00 110.79 0.00
1435276674Paid via Bank Account MAY 26, 2011 0 850.00 189.92 0.00
1435227155Paid via Bank Account APR 28, 2011 0 850.00 110.79 0.00
1435173783Paid via Bank Account APR 14, 2011 0 850.00 110.79 0.00
1435091015Paid via Bank AccountMAR 31, 2011 0 850.00 221.58 0.00
1434981727Paid via Bank AccountFEB 17, 2011 0 850.00 213.66 0.00
1434866329Paid via Bank AccountJAN 20, 2011 14 850.00 269.06 0.00
1434785816Paid via Bank AccountDEC 23, 2010 0 850.00 110.79 0.00
1434642235Paid via Bank AccountDEC 09, 2010 15 850.00 280.36 0.00
1434528418Paid via Bank AccountNOV 10, 2010 13 800.00 242.59 0.00
1434469943Paid via Bank AccountOCT 14, 2010 0 400.00 59.58 0.00
1434361730Paid via Bank AccountSEP 30, 2010 14 700.00 234.61 0.00
1434246186Paid via Bank AccountSEP 02, 2010 14 650.00 217.85 0.00
1434178301Paid via Bank AccountAUG 05, 2010 0 300.00 44.69 0.00
1434103043Paid via Bank AccountJUL 22, 2010 0 300.00 51.07 0.00
1433849142Paid via Bank AccountJUN 10, 2010 28 800.00 424.54 0.00
1433753802Paid via Bank AccountAPR 29, 2010 14 700.00 247.65 0.00
1433625117Paid via Bank AccountAPR 01, 2010 14 500.00 272.65 0.00
1433503127Paid via Bank AccountFEB 04, 2010 14 700.00 247.65 0.00
1433442883Paid via Bank AccountJAN 07, 2010 0 700.00 111.44 0.00
1433245104Paid via Bank AccountDEC 24, 2009 14 400.00 160.40 0.00
1432922630Paid via Bank AccountSEP 17, 2009 0 200.00 37.24 0.00
1431705572Paid via Bank AccountNOV 26, 2008 41 800.00 315.91 0.00
1431500135Paid via Bank AccountOCT 02, 2008 42 400.00 242.07 0.00
1431449291Paid via Bank AccountAUG 07, 2008 0 400.00 37.24 0.00

total 25,308 7564.30


all of my loans have been either paid in full and immiediatly retaken or done as extensions.
this has put me in sever finacial straits and i wanna figure out how to end this.I have ready many posts on this site saying that since mycashnow is a illegal, out of country lender that i owe them nothing but the principal and as well as being illegal in my state of ny. my take is that since they are illegal and ive paid 7500 in interest fees to them, i should get all of that refunded to me minus the current amount owed,which should be more then enough to tell them to screw off.

the only thing is, i have no idea were to start,what to expect,etc.
PLEASE HELP ME!!! THANK YOU