No. And Online Pay Day loan brokers must follow the FDPCA in Oklahoma. You should report them to the Oklahoma Dept. of Consumer Credit. File a report at the link below.
The answer given does not imply that an attorney-client relationship has been established and your best course of action is to have legal representation in this matter.
Your description is suspicious for payday loan extortion. The FBI is involved and accepting complaints. Here is one early FBI press release: http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710 Much more information is availalbe online.
Best wishes for a favorable outcome, and please remember to designate a best asnwer.
This answer is offered as a public service for general information only and may not be relied upon as legal advice.