Ok, I need help proceeding with a payday loan company that has supposedly "sent me to a third party collection company." I initially had a loan with VIP loan shop in jan of 2009. I made their payments until I got in a rut and found out they were illegal in my state, Indiana. With all the payments I made to them I had paid them back the principle plus a little more. I went through the whole process with them as advised in this forum. Letters, certified copies, closed my bank accounts. I had not heard from them until this month, over a year and half later.