Update :)

It's important that you file the cases with the Dept of banking, BBB, and attorney general. The authorities should be informed about the illegal predatory measures taken by the illegal PDL lenders. Best of luck and keep us posted.

Absolutely! I will be filing those first thing Monday. This has been so time consuming! I work a lot of hours, at a job I have been laid off from (we're working through the next month until our company closes down our site) to save up OT money to survive for a bit when it's all over, and between paying these creeps all of this money, and now all the phone calls involved in fixing it, I've had 0 time, and 0 funds! Just can't wait until it's all over!

Don't worry, you will get over this crisis. Make sure you don't fall prey to payday loans again. I've been through your situation and I understand how you feel.

Thank you very much :)I will surely never take another pay day loan out so long as I live.

That makes 2 of us - I learned the hard way and with the help of this great site and my State financial officials, I'm getting back on my feet. It's a great feeling! Keep us posted.

Well today is pay day, and it's been a week since the emails were sent with not one response. Hard copies are in the mail today.... A little nervous for what's to come.

We are waiting to know about the outcome as well. Post here if anything happens.

I sure will, I appreciate the help more than you all will ever know. But hearing some horror stories of what happens the next few weeks after that first pay day is really scaring me.

Zip 19 is the first company to respond in writing. I received an email yesterday offering me a payment plan on the principle, which I will not pay because I have over payed them on at least 30 loans so far (every two weeks for MONTHS!). And they reminded me they are bound by European law as they are in Malta, and that my state laws (PA) do not apply to them. I wrote back again stating the loan is illegal in my state and request a paid in full letter immediately. Do you think this was the right move?

Should've mentioned that if they're not obligated to follow YOUR State law, you're not bound by the laws of Malta! :)
No question these outfits will contact you and threaten just about everything to get you to give them more money. But it sounds like you're on the right track. You might even get some "generous offers" from these people to borrow even more money since you're such a good customer; an EXTREMELY obvious way to try and get your new checking account information, hm?

Today I got a letter in the mail from First National. After they called me asking me to call them about my missed payment, I guess they have had a change of heart... The letter said it was a thank you for my patronage, offering me 50 dollars off my loan fees for next loan, LOL. Not in a million years!

Gee, ya think they're trying to get your new checking account info? Nah, not the PDL companies, they're ALL on the up-and-up and we can trust them, right? ;)