We live in WV this loan was on 1/6/2006, on 11/6/2006 he states he will need 9.5% interest on the loan. We stated originally and he agreed that we would pay back some of the loan each year until the 16,000 was paid off interest was never mentioned originally. Then came the 9.5% interest. we still paid each year 2000 to 3000 + we paid him off the principle amount of 16000 plus an additional 1095 last year 2013 this year he threatened to file a law suit to us us for the full 9.5 % interest dating back to 2006 that totaled almost 10,000 we paid him. WV usury law is 6% on a non-contract loan can we recover any the the high interest we paid what are our options to recover anything since interest was not mentioned for 11 months after the original loan ???