How do you excercise your

What rights? You borrowed the money, why dont you pay it back? You want something given to you for free?

Tammy what state are you in? How much was the loan and how much total have you paid back so far? Provide us with this information and we will help you as much as we can.

Please ignore pete - He doesn't understand what you are talking about.

Please post the information that Pybasj requested and we can better advise you on your rights regarding payday loans.