OK.. Cash Transfer Centers - back in July I paid it off. Still I got a call from a Ms Ross and another guy stating I still owed 281.00. We went round and round. He was rude, obnoxius, asked me questions that shouldn't be asked etc. Anyway, I received a letter prior to those, saying Thank you for paying off you loan with us, you are now eligible to refinance and loan, etc. I faxed and register lettered a letter to CTC, I attached copies of the PIF's I received from them, highlighted the loan numbers.