CashNetUSA - internet PDL/small loan in OH

Hi.

I took an internet loan out with CashNetUSA (I live in Ohio) for $800. I have taken out at least six loans with them previously. I went to consumerlaw.org to see if they are licensed in Ohio. From what I interpreted, they are licensed for check cashing and cash lending.

It states, though, that with a PDL loan, the limit is $500 (if I interpreted it correctly), and the interest is not to be more than 5% per month. If, however, that loan is paid back within a month, they can't charge interest. The originating fees, however, are unlimited. (the originating fee they charged for $800 is $72.50 wtih the interest being $23.25).

My question is, since they have taken out interest on my previous loans (which have all been paid back within the month) as well as the originating fees, can I deduct at least the amount of the interest on those loans from the amount of the principal on this loan?

Also, since I am not going to be able to pay it in total for at least a few months, would it now be considered a small loan rather than a PDL (in which case the interest is 28% per year)? And actually, since the amount was more than $500, would it automatically be considered a small loan as opposed to a PDL, as I believe $500 is the limit for a PDL in Ohio?

I have tried talking to them and get nowhere. They just keep insisting that they are going to continue to attempt to take the money out of my checking account unless I set up payment arrangements (two payments of $459 each the next two paydays or three payments of $332 each the next three paydays). They said that have no control over them trying to debit my account unless I set up one of those two payment arrangements with them. I have talked to my bank, and they told me they can't close my account as long as transactions keep trying to come through unless I dispute it as being fraudulent? Can I do that?

Any help you can give me would be much appreciated. Thanks a lot.