zman - hang on. kash is WAY correct. You are letting these guys scare you. I had WebPayDay. First of all, pdls are prohibited in your state, as pointed out. Second, you have already paid this loan. You do not need to give them any more money. Third, apparently they have already turned you over to an outside agency to try to collect. You do not owe any more money. Here's what you need to do. You need to first of all get a debt validation letter out to this collection agency. They won't be able to validate. I had my WebPayDay turned over to collections - who in turn reported me to the credit bureaus - and I had OVERPAID these idiots and they actually REFUNDED me! So watch them carefully. Get your debt validation letter to the collection agency. Put it in writing. Also, you need to file immediately with the BBB, the FTC, and your state AG regarding WebPayDay. I did get mine resolved through the BBB alone. I got WebPayDay to refund every penny over the principle amount that I paid and also to mark it as paid and close it out. I got all this in writing. HOWEVER, I was then contacted by a collection agency collecting on behalf of WebPayDay - which I ripped a new one - sent them all documentation showing it was paid/refunded/closed. HOWEVER, the collection agency had reported me to the credit bureaus. Had to dispute the living hell out of that, but got it deleted off my reports. So - in a nutshell, do not pay them another dime. File all your complaints NOW. Send a debt validation letter to the collection agency. Watch your credit report closely. You will probably get a refund from WebPayDay. You have overpaid. Do NOT pay them any more money. Sorry this is so long, but it's a story with me. Post if you have any questions.
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