Integrity Advance LLC

After researching PDL guidelines for the state of Wyoming I sent out letters to my internet PDLs stating I do not owe more than the principal and all correspondance needs to be via US Postal Service or e-mail.

The problem I am having is Integrity Advance continues to send e-mails stating to call and talk to a customer service agent. Should I call or continue to only correspond through e-mail?

Has anyone dealt with them before? If so, are they reasonable? My loan was for $400.00 and I have paid $360.00 and offered to send the remaining $40.00 via money order if they would provide a physical address.

Integrity Advance LLC is not licensed in Wyoming. So, you can only pay them their principal amount. Yes you're on the right path. Email is the right option as it is a form of documentation you have.

Are you saying that you do not owe ther finance charge if they are not licensed in your state?

that's right.if an internet pdl is not licensed in your state you only owe the principle borrowed.nothing more.

I got a $300 loan from Biggest-Cash, having to pay back $390. My 1st pay date, I didn't have the cash, so they took the $90. Long story short, I come to realize, that somehow, without my authorazation, Integrity/Advance, snuck another $300 into my account. These 2 companies are definately working together to really scam & mess you up. Now, I have 2 jerks taking $90 every week. I called, I thought, B-C, and told them to take what I owe on a certain date. The $ was available, but, instead, they took $90 again 2x's! This continued for almost 2 months. (personel reasons are what made me to let it continue for so long)Finally, I spoke to B-C, and agreed that they take $450. Instead they took $500. Then they call a week later & say I still owe them! Well, I gave them an earfull. Anyway, afew days later, they had the nerve to take another $90!! I never applied for a loan with Integrity/Advance. That's how I know that they are working together with Biggest-Cash.That & when I got the 1st payment of $300, it was from I/A. The one from B-C wasn't put in till a week later, but, B-C, are the ones who sent the contract & e-mail saying the funds are there on the date that I/A put it in! They are working together, but, they're not too good at it. Anyway, I finally closed my account& wrote to the BBB. What else can I do? Is there a way that I can recover all the x-tra $ they stole from me?Also, if pdl's are legal in NV, but, they gave me a loan in NJ, where it's illegal. Is it legal or illegal?How do you find out what states that they're licenced in?

If you reside in NJ then the loans were illegal.

It is good that your account is closed. They are some of the worst payday lenders out there. They are slimy.

The one thing you can try is to send them a letter that informs them they are illegal, even though they already know that, and that you are done paying them and you demand a refund.

You can read more info here about dealing with illegal lenders.

The template letter you can use is here. Scroll down to the 13th post to find it. You can change it to reflect your information and state laws. Just add in there your overpayment and your demand for a refund.

You may only get a PIF but that at least clears you from them coming back latter and saying you owe.

Great advice all :P

i have a loan with integrity advance for 500 they charged me a fin.charge of 150 so far i have paid 350 and i still owe 450 i live in fl what can i do before i end up paying the double on this loan

FYI - these are the same guys that run GECC aka CashDirectExpress - Beware!