<prompt> Human: So a couple months back I was in a super rough patch and needed money that day. I asked my bank for a loan and they said no. I applied for a payday loan online and a bunch of companies got back to me. I accepted a loan from a company called Gentle Breeze. This is where you should start hearing thunder and scary background musicThis company is some super sketch tribal lending company. At first I was like, whatever, Ill have it paid off in no time. I mean, I only asked for a couple hundred dollars. At a rate of 45 every two weeks, I would be back on my feet in no time. Except its been way longer than necessary, so I looked into trying to find out why Im still getting charged. First off, it looks like even though they are charging me consistently, the amount left on the loan isnt going down because the interest is so high. Second, on their website there is no way to say I want to pay the rest of this off, right now.I dont know how to cancel this or what to do, Im freaking out. I never thought I could be so stupid.I am in Virginia, and recently heard that payday loans are illegal to offer to people here, so I dont know if I can use that to my advantage at all.What do I do?!  <response>: Unfortunately I did a couple laps on the payday loan treadmill. I rarely comment but signed in to comment because Ive been through this in VA too. It was a horrible decision that kept me with almost no money each week and I had to keep borrowing to make payments. I would like to send you some links to resources that may help however Im at work now and havent been able to find them. Youre going to want to close your bank account asap and open a new one that is not connected to the old one in any way. Your bank will of course ask why and thats up to you if you want to tell them if so just say you are dealing with illegal payday loan lenders and you want to stop unauthorized transactions on your account. Might be embarrassing but worth it. Trust me after this life will get easier.They are predatory lenders and are illegal in Virginia. This means you are only responsible for paying off the loan and not the interest. You can even ask for a reimbursement if youve payed over the original loan amount because of interest but they will not send it most likely. If they do send a check to you after you close youre account do not deposit it in your new account, take it to a check cashing place. Sometimes they do this just to gain access to the new account and try to take the balance in full. After you close your bank account youre going to want to send them a letter explaining that the loan you entered with them is illegal in the state of Virginia. Calculate how much youve given them and if you still owe a little explain thats what you will pay them then send money orders. If you have over-payed ask for a reimbursement.Now they will probably try to harass you a bit after that by calling the number you gave them which might suck but just tell them the same thing over the phone. Dont fall for their scare tactics about check fraud, they cant do shit to you.There is a website with debtcredit counselors that list templates to write letters to payday lenders and list the laws for each state and are just full of advice on how to deal with these guys. Ill try to find it later, it helped me a lot but I cant seem to find it now for some reason. 