if you stop payment on illegal online payday loans

You need to dispute the charges as fraudulent with the bank. Have you revoked ACH permission with Zip? If not, you need to do so and also share that info with your bank. If the reverse the charges as fraudulent/unauthorized, they should reverse any fees associate with the charges as well.

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Have you talked to your branch manager? Have you filled out the forms necessary for reporting fraudulent activity on your account? If the bank isn't helping you and you've already talked with the branch manager, I would advise you to call the corporate offices next.

is it too late to go into the bank and talk to them about a closed account that just happened.

If your bank won't close your checking account due to a negative balance, could you at least ask them to put it on "deposit only" status until the negative balance is paid off and in the meantime open a new account for your needs? revoking an ach for one PDL company name is better than nothing but the plain fact is, so many PDL's go under so many names, they could try to debit your account under another name. Do what Ohiogal says, go into your bank and be sure to talk to the manager about what's happening.

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You can try. The bank may refund any amounts they've charged in OD fees starting on the date that you revoked ACH permission. You'll have to provide proof of your revocation - and it may take a while but it never hurts to ask.

I answered your private message. Let me know how things turn out.

zip19 or northway financial sent me written notice to pay their loan off. what should i do now.

If Zip 19 is an illegal lender in your state and you've already revoked your ACH and wage assignment and if you haven't already done so file a complaint with the AG, FTC and BBB in your area. Be sure to send copies of all of your documentation to Zip19 and their affiliates via email, fax or USPS. All you are required to pay back is the principle amount of the loan if this lender is illegal. Keep all of your correspondence by these methods so you have a paper trail and not a he said she said problem. When Illegal lenders figure out you know what your doing and you've filed the proper paper work they know their scare tactics will not work.

just got two emails one from lls america and one from unitedcashloans. They both want their money using the debit card or some other way of paying which i refuse to do

well then re-send your original email stating you will pay by money order only.especially united cash loans.nothing but a bunch of criminals.re-state your demand for an address to send money orders,or they get nothing.

Tell them they will either accept payment with money order, or nothing at all, make THEM decide.