If you reside in NY, they are illegal. Both these companies use the same mailing address in Kansas.
Report them to your state AG's office.
How to Deal with Illegal Loans..OhioGal's Primer http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html SOL for all states http://www.debtconsolidationcare.com/statute-of-limitation.html
They are illegal. You can ask them to refund the fees you have paid in the past.
Check out this link to know how to deal with illegal lenders: http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
