Mutual Release Offer

I have started hearing a few replies from those that are completely illegal.

One is from National Payday - very creative but still illegal and they are located out of the U.S.

The other is from Integrity Payday Loans - I took out a loan for $500 almost a year ago have already repaid over $3500 so $300 over the original loan amount.

I filed complaints with the BBB, FTC, SD Banking Division and The SD Attorney general. They are not licensed in my state.

I will paste the email I received from them below - if anyone has received these let me know your comments. I won't sign anything!

Dear Ms. / Mrs.

We are responding to your communications with Integrity Advance,
regarding your loan, which has a current balance of $310. We
consider this to be a valid debt. Integrity Advance takes its obligations
to comply with all applicable laws very seriously and expends significant
resources to ensure this.

Integrity Advance makes short term consumer loans pursuant to licensure
and regulation by the State of Delaware. Integrity Advance does not solicit
customers in South Dakota. On advice of counsel, Integrity Advance maintains
that the choice of Delaware law as controlling in the loan documents
would be upheld, as all significant contacts in the loan transaction
occur within Delaware.

Despite our position stated above, and without obligation to do so, in the
interest of resolving this matter without escalation and further expense,
we are willing consider this matter resolved once you have complied
with the terms of the settlement offer below.

Settlement Offer

Integrity Advance is making a one-time limited offer to release you from the
outstanding balance of your loan ($310) only upon receipt of the attached
signed Confidential Mutual Release Agreement. Please fax the signed release
to our Customer Service Department at (800)616-0533.


******PLEASE SEND US THE SIGNED RELEASE NO LATER THAN AUGUST 4, 2011 . IF WE HAVE NOT RECEIVED THE SIGNED RELEASE BY AUGUST 4TH 2011, THIS SETTLEMENT OFFER WILL BE AUTOMATICALLY REVOKED AND WE WILL CONTINUE TO HANDLE YOUR ACCOUNT PURSUANT TO YOUR LOAN AGREEMENT.******

PLEASE KEEP IN MIND THAT THE EXISTENCE AND TERMS OF THIS SETTLEMENT OFFER AS WELL AS THE ENCLOSED CONFIDENTIAL MUTUAL RELEASE AGREEMENT ("AGREEMENT") ARE TO BE KEPT IN THE STRICTNESS OF CONFIDENCE AND YOU MUST NOT DISCLOSE THE EXISTENCE OR ANY OF THE TERMS OF THIS SETTLEMENT OFFER OR THE AGREEMENT TO ANY THIRD PARTY OTHER THAN TO YOUR PERSONAL ATTORNEYS OR ACCOUNTANTS.
YOUFURTHER UNDERSTAND THAT THE AGREEMENT PROVIDES THAT, IN THE EVENT OF ANY DISCLOSURE INCONSISTENT WITH THE TERMS OF THE AGREEMENT, INTEGRITY ADVANCE WILL BE ENTITLED TO RECEIVE FROM YOU AT LEAST $10,000 IN LIQUIDATED DAMAGES.


Sincerely,

Integrity Advance, LLC


[COLOR=black]This electronic message transmission and any files transmitted with it, are a communication from Integrity Financial Partners, Inc. This message contains information that is confidential or otherwise the exclusive property of the intended recipient or Integrity Financial Partners, Inc. This information is solely for the use of the individual or entity that is the intended recipient. If you are not the designated recipient, or the person responsible for delivering the communication to its intended recipient, please be aware that any dissemination, distribution or copying of this communication is strictly prohibited. If you have received this electronic transmission in error, please notify by telephone (866-951-3675), collect or by electronic mail to the email address above and promptly destroy the original transmission. Thank you for your assistance.

Please consider the environment before printing this email.[/COLOR]


This electronic message transmission and any files transmitted with it, are a communication from Integrity Financial Partners, Inc. This message contains information that is confidential or otherwise the exclusive property of the intended recipient or Integrity Financial Partners, Inc. This information is solely for the use of the individual or entity that is the intended recipient. If you are not the designated recipient, or the person responsible for delivering the communication to its intended recipient, please be aware that any dissemination, distribution or copying of this communication is strictly prohibited. If you have received this electronic transmission in error, please notify by telephone (866-951-3675), collect or by electronic mail to the email address above and promptly destroy the original transmission. Thank you for your assistance.

Please consider the environment before printing this email.