I originally posted this in another thread but thought it would be better to start a new one. I "borrowed" $300 from the VIP Loan Shop over the internet, and have paid $180 in fees so far (two $90 finance fees and a third one will be charged on 9/9) and nothing on the principal, and I live in Washington state. It's the details that are very sketchy, since I never signed anything with them. What happened was a year ago I applied for a loan through CashNetUSA and was not approved and ended up going through someone else.

Hello I recently sent the validation letter to Paradise Cash Advance, Intl Equity and this is the response I received from them. The loan that you took out is an online short term cash advance from a company that is located outside the United States. Here at PDL Support we do administrative support for six other loan companies and we are located in the Midwest. Being that we are ONLINE lender located outside of the nation, we are not subject to the payday loan specific laws assigned to your state.

Hi Friends! I have been reading this forum for some time and with all of your help I have contacted all of my payday loan companies and closed my account. I have some questions and I hope someone can help. I received a call from Paul at 888-408-9716 ext 521 and another call from him at 877-711-1199 ext. 521. I called him back at the later number at he said he was with Nationwide Cash. The other call he said he was from Advance Me Today. I have overpaid on both loans. I told him I live in NY and these loans are illegal. He said that I STOLE money from them.

I dealth with this company back in 2009, I settled a debt and that was that. One year ago another company contacted me regarding this and I sent them the letter and check I had showing I paid the debt. They said this was unacceptable and I proceeded to contact the BBB. Nothing was solved, they were unable to contact the company as they have gone out of business. Since then I have not heard anything until about 2 weeks ago when I got letter from a different company for the same thing.

I was stupid and took out 3 internet payday loans. 1. Cash in a Wink: $300 - already paid $290 which included $50 toward principal so still owe $250 2. Cash Yes: $525 - paid $131.25 on this loan 3. Cash NetUSA: $600 - paid 713.19 on this loan, am paying $165.63 in 4 payments with no extra fees, already made 1 payment - this is CSO loan CastNetUSA has agreed to payments. Cash in a Wink refused payment arrangements. I offered 4 payments of $81.25 with no added fees, but they would not waive any fees. I haven't approached Cash Yes yet. I plan to close my checking account.

I received a call from a lady named Andrea at 315-371-1789. She is stating she is from an attorneys office and is representing the NAR group on an old payday loan from CashJar. I explained to her that Cashjar is not licensed in my state and I had paid over and beyond the amount that was owed to them. Andrea would like to settle the account for $600 or they will serve me at my place of employment or home. I looked up NAR group with the Ill dept of federal regulation and see they are not licensed to collect in Illinois.

I emailed my letter on 8/31 telling Cash on Wheels/Net Cash 123 (the same place), that I over paid by $596 and wanted a refund. My checking has been closed and they haven't received anything from me. I haven't received an email or phone call from them. I'm wondering what they are planning. Today, I just sent another email requesting my refund and informed them that I already placed a call to the AG office (which is true) and that they called back and left me a voicemail (also true, I just haven't responded to the voicemail yet). So, what do you think they are planning?

[FONT=Book Antiqua]I was served papers on behalf of Midland Funding. I called the law office representing Midland and informed them this was a fraudulent case and that I would be more than happy to send the police report. I was told I need to feel out and have notarized a ID Theft Affidavit, I had this delivered certified mail to them over 6 weeks ago. I have called once a week since then to be told every time we are still working on this issue.

I've recently dealt with Northstar Location Services and the man was rather rude and didn't want to take the time to negotiate a settlement. Instead, he said that he would contact attorneys so they can proceed with a lawsuit. I don't like speaking to these people over the phone. Is there any way I can request that they communicate only by email or regular mail?

I am in the process of buying my first home, and a judgement from MRC has shown up in Experian from MRC from 2006 in Milwaukee, Wisconsin. I did live in Milwaukee, Wisconsin until 2002 but resided in Massachusetts until 2008. I was never served a summons, but there is this judgement against me. My mortgage broker has told me that I need to write a check to Midland Credit Management in the amount of $3900 to solve this problem. The last time I used a credit card was in 1998. What do I do?