In Virginia or any state if you owed a payday loan and it was about 2 years ago no one sent a letter or called you and you went to cash a paycheck and they took your money you owed and interest without notifying you of the debt or asking to make an arrangement is this legal

So you just "forgot "about the loan? Please write in a sentence structure.

You were notified of the debt when you took out the loan. I am surprised that they didn't try to contact you about it, but it's not their responsibility to remind you of the loan, it's yours.

At 2 years you would still owe the loan, so they are entitled to it. I'm not sure if it's legal for them to take it out of a check you cashed with them without your permission.

After 2 years I am sure you owed a lot more in interest, so you probably got off easy.
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Originally Posted by N0help4u

After 2 years I am sure you owed a lot more in interest, so you probably got off easy.
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The OP did mention that they took the loan, plus interest. So he didn't get off easy at all.

Must have been a decent size check if they got every penny of it.

It depends on the contract you signed. If you gave them your bank account info and signed a note stating they could access the account without legal action then it may be legal.

However, most of the time, they need to obtain a judgment first. Once awarded the judgment they can obtain a writ of execution to attach your bank account. So the question is were you ever informed that they were suing you? A suit could have been filed and adjudicated anytime since you defaulted on the loan. Once a judgment is obtained, they do not have to contact you before enforcing the judgment.

If, however, you were never informed of the suit, you might be able to have the judgment vacated on the grounds of improper service. But that is only a delaying tactic. They will properly serve you immediately and get a new judgment.

It is legal if they tried to contact you and you weren't at your last known address, or you threw out your mail - all they have to do is prove they tried. Unlike a criminal case, a civil case can get a judgment without you being present.
You had an 'arrangement' when you took out the loan. You agreed to this.