Question about payments to ca

I know nothing of your state laws but if they say you only have to pay the principle then that's what it is. If it an illegal payday loan, you can't be sued on it. If you have proof you paid everything back you should be good just in case, also keep records for at least 7 years.

They are illegal in my state I'm just wondering if the laws are differrent when you're dealing with the collectiona agency as opposed to the pdl themselves. If i have arrangements with the ca do I still need to make that last payment even though I have already paid over the 200 that was the original amount of the loan

A collection agency cannot collect on an ILLEGAL LOAN! Send them a DV letter, and if they don't respond, send them a FOAD letter. If they try to take you to court, counter-sue them for violating the FDCPA and collect your $1000.

But if I've already paid the ca $230 can I still send them a dv letter? And since it's a 200 loan what can I tell the ca to let them know that I've paid back the amount of the loan?

I would simply send them the standard DV letter and include the fact that you recently found out that the OC is an illegal lender. I would also include a statement for them to cease and desist contact with you in any form other than via U.S. mail.

You should also send that original PDL company an illegal lender letter and ask for a refund from them of any overpayment you made.

So you think even though the overpayment was made to the ca I should get in touch with the original as well? On the letter to the ca should I include the amounts that have been paid to them to show that I've paid 230 to them on a 200 loan?

I think you have a good chance of getting the $30 overpayment back from the OC. I'm not sure what your chances are with the CA. Although, if you demand a PIF letter from the OC, you could pursue the CA stating the account was already PIF and demand a refund. I don't know how far you'll get with that...

Another option is to sue the CA for violating FDCPA by trying to collect on a PIF debt from an illegal lender, misrepresenting themselves, etc.

but the thing is, is that the 200 was paid to the ca not the pdl. I just want to make sure that once the amount of the original loan was paid even though part of it was to a ca and part to the original pdl that I am done, that I've paid back what was owed even though it was to two places.

That's where you made your mistake. You shouldn't have paid the CA but, what's done is done. Just keep your documentation of payments. It's highly unlikely they'll try to sue you for an illegal loan but keep proof of your payments just in case. And tell the CA, you've paid in full as the loan was $200 and you've paid that amount. Tell them you want a PIF letter.