More advice please!!

OK...as some of you may know...I had my last 4 ipdls in a debt management program. I left them there because I either still owed on the principle or they refused to my demands. I put 4 in there and handled the other 6 on my own. I am now ready to get rid of these. The next two I have to work on are:

Zip Cash borrowed $200. have now paid $300.
Ameriloan: borrowed $200. have now paid $360.

Now I know they are illegal and all that...I am looking for how they react and what should be my first move. I had sent C&D letters back in June and then made arrangements with them through my dmp. Any knowledge on their working will be much appreciated. I have till Oct. 10th to pull them out of the DMP before the next payment goes out.

ameriloan is an MTE

Zip Cash is licensed out of NM, so they are a partially legally operating company. That means that they may be more likely to work with you, but I don't have any personal experience with them.

You've already filed complaints against them all, right?

NBo I didn't file these with the AG yet...when I started I still owed both of them a small amount so I worked just on the ones I had overpaid and put 4 into my dmp. Now I am looking at the DMP and see I have now over paid these, at least to Indiana law. I am thinking of asking for PIF's before filing complaints and wanted some input as to how difficult they would be..LOL.

You are more likely to get a PIF when the BBB, FTC or AG comes a knockin' or whatever fiancial wathdog who rules in your state. They will no you mean business.

Zip Cash is also known as netcashusa and I think somewhere along the line on one of my threads someone said they were illegal. I called them last week to pay my loan off in full and let me tell you they got mad at me for wanting to pay it off in full early. After that experience on the phone I emailed them stating that I wanted something in writing from them after my payment was received, which they grudgingly sent me. The only one I am waiting on now is to hear back from MTE/Quickest-cash-advance who I faxed a letter to on Friday stating that I wanted to pay my account in full early and that after the payment was received I wanted something in writing from them showing it paid in full. So I dont know how willing zipcash will be to work with you morningstar but best of luck to you.

Fiancial wathdog? Spell ckeck would be nice, ya think?

Check

Frog, you have no idea how many times I wished I could spell check my posts.

I know. I am on lunch and type as fast as I can in a short time and some of the things I see later are just plain weird! It is often too late too edit.

frog that's ok...what's worse is that I understood totally what you meant!! LOL...I am going to email Zip this afternoon and see what kind of response I get...

Zip Cash is licensed out of NM . . . Not that is matters for you Morningstar, but for the other poster that said they were illegal, it would really depend on your state. Since they are licensed in a state, I would not call them a totally illegal company.

Thanks for clarifying that Goudah.. I went back and was rereading the threads to try and find where I had seen it at, and when I found it read the posts after that and saw where you had found the license. Work has been busy enough that I wasnt completely able to keep up on the posts the last few days. Right now I am just telling myself that I just have to get thru tonight and I am off for a week for my birthday. I so need the break at this point.

Happy Birthday! I'm glad you get the week off! Enjoy!

I plan to. I need the time to destress from everything.

Well I sent an email at 3 this afternoon...and got back a read reciept about a half hour later. Now we will see if they answer or pif.

Happy b-day BLue. Good luck Morning.