This group is totally disgusting and illegal. I took out a loan with them and had some difficulty paying back. totally my fault. got into a situatuion, money did not come in, etc.. I relentlessly tried to pay these people back, as I am honest and irregardless, of all the info I now know, i just wanted to pay the debt back. There is NO address. you cannot pay these people, like mail them money orders, etc.., b/c they ARE out of the county and ARE illegal. I continued to try to speak with them, like others said, forever on hold, strong, strong, foreign accents barely understandable. I was always told that I MUST western union them money. If I don't have enough to pay back, i certainly don't have the extra 10-20 to western union. So, I have had to let it go. I have been worried and felt guilty and wanted to resolve it, but they will not budge and will not give me an address to make payments to. Then, on top of it all, they call me, now for problaby three years, with this loud, agressive, threatening repetitive man's voice, with a thick accent. He sounds right out of Scar Face, only thick accent and shouts that "the second" I get this message", I must do this and do that, and says my name a hundred times and leaves this lengthy message, each and every time. Total threat, and tells me, if I do not contact him back, well, then all he can do, is wish me luck and wish my family luck. Like Thug Man. They have cell phones that come in as Washington, D.C., and think us stupid americans are just a bunch of idiots. They make up names of federal agencies and say they are "Agent, or detective, Tom Smith", for the blah, blah, blah, so we looked it up-of course no such agency. They say there are several lawsuits pending against me and my social security number, which of course they have from way back. But, funny, I have received none of this info ever, except in a threatening email. do not fall for any of it. They sound scary, but we need to stand up and help other people not be victims. These people are sick thugs, and like you said have made more money than anything legal-EVER!!! I am definitely contacting the attorney general's office and I absolutely LOVE the person that wrote that comment about "I am not a resident of Malta". Last time I checked I was not. I have learned my lesson, but several years of harrassment, and owing my old bank like a thousand dollars because of this stupid choice I made. PLEASE do not take out PAY DAY loans. It seems like a quick fix. you will pay in the end. At least in MA. Oh, by the way, PAY day loans are totally not even legal in MA., so I think they try to get away with it, by stating it is throught he internet, but I have heard enough about this company to KNOW they are ILLEGAL. Totally. All the positive things you see on line about them are posted by them, or associates of them.