I've been here as a guest before and, thanks to everyone's help, I've got a good start on (hopefully) nailing these payday companies. I had 9 loans out. Overpaid on 5 of them, still (moral obligation) owe 4 of them. I sent cease and desist/ach revocation emails to all of them. Telling them to contact me by email or usps only and that if they don't respond I will go to the BBB & Attorney General. I sent the letters out last Tuesday and, though I've received answers back, none of them have issued me PIF letters. They just keep re-stating how much (they think) I owe them. I continue to re-email them my original letter (which tells them how much I overpaid and Illinois state law)- though I just keep being brushed off. I DON'T want to call them because I know from these forums how abusive they might get. I was going to snail mail the letters out, but I'm missing some addresses: Cash Direct Express/GEC, Impact Cash USA and FastMoney911. First, does anyone have these addresses. Second, what should I do next? They won't be debiting my account since I closed it, but I want them COMPLETELY off my back. So what more can I do to them to get the Paid in full letters I so desperately want?