I sent an email to the following email address 8/5 and I've not heard anything back from them. Just out of curiousity, I went to the zip19.com website to check my balance to see if they maybe had marked it as paid and just not contacted me via email that they had done so. After I entered my log in information, it gave me the message that I didn't have access to this site. Any ideas what this means?

alot of pdl's once you get wise,tend to block you from there website.real legit companies don't do that.

I guess it was just wishfull thinking that they would have marked my pdl as paid in full and just didn't tell me!!

Paul is right, once these illegal pdl's know you have figured them out they block you from their website. Just hang in there, ya never know, you may just get yourself a PIF!

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I received correspondence from Zip19.com via email today stating that Northway Financial is licensed by the government of Malta as a financial institution, and the law of Malta, not the State of Oklahoma applies to the tems of my loan agreement. Aren't they still illegal to operate in the US if they don't have a license?

that is typical pdl BS.they are as illegal as an august day is hot
and long.don't let them tell you different than your state laws
apply.

Just send them an email back that reads:

I am not a resident of Malta, have never claimed to be a resident of Malta, and never will be a resident of Malta, therefore, I am not bound by the laws of Malta. If you have any further questions or comments regarding this matter please contact my state's Attorney General's office at: _ _ _ - _ _ _ _.
Have a nice day.

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That's what I was thinking too. So, I can email them back and let them know that since I've had multiple pdls with them and my overpaid fees exceed the amount of my outstanding loan, they can apply the overpayments to my outstanding balance and mark my account as paid in full. Should I include anything else?

BTW, What is the MFSA? At the bottom of the document that I received from them, it reads, "Northway Financial Corporation, Ltd. is licensed by the MFSA to provide lending services under the Financial Institution Act 1994"

Yes, tell them your state law prevails, period. However, they will most likely continue to try and convince you to pay more, but that's what these illegal companies do. They need to obtain a license and practice according to the law, if they choose not too, then I do not feel sorry for their losses. It's interesting, last night I was reading an article (I wish I would have bookmarked it) that said, the illegal ipdl's make far more money (even with the losses) than the legal ones. Go figure.

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Malta Financial Services Authority I believe.

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That is all BS that they state when not licensed in the US to lend. You are a US citizen, you are not subject to their laws, lastly they are HIGHLY ILLEGAL for loaning to customers in the US! They know it and we know it!

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I went through Green Picket ( another Northway Financial Group)I sent them a Cease and Disist, as well as faxed them, that I could not pay at this time..They have rolled me over 2 x without me receiving any money ( my bank account is closed..it just shows up on their website...)They just called me and said I am with the "Northway Financial Group", and not even addressed who the person was, no name given.."he said why don't you just call us and tell us to "f off" and we will come after you ,our way." I had already written them weeks ago and stated to contact me via e-mail and/or the Postal Service. I also made them aware the we ( the AZ State Attorney's office and myself are now aware that they are illegal to operate in the US. Should be interesting to see what happens now...Thanks again to all of you for your knowledge and awareness you have given me...What a lesson learned...I had the intention to pay back in time but when you threaten me...all bets are off. Of, course, I saved to message

Update...Well they haven't tried to convince me to pay more they have just stopped communicating with me period. I've sent lots of emails since I got the response that they were governed by the Matla government and have heard nothing back from them. What do I do now?

nothing, sounds like you have done your part

thlovely1, as long as you keep all correspondence with them for future reference, I would just let sleeping dogs lie, let them contact you.

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