I have, like many fallen into the trap of online PDL's. I have come to realize that I have been bilked out of close to 3000 dollars by one of the companies called Flashloan, and another one won't return my calls so I can access my account. (Loan Shoppe).Yesterday when I was able to reach someone at FlashLoan she stated that I still owed $520.When I advised her that I thought something "fishy" was going on,she called me back and stated that everything had been paid in full.It should be after 2 years!!!! on a $400 request.