update on my progress.. emails now coming in

i would not fax from your work in reference to SML.in fact why would they need a signature?i would not accept those terms.as for spot on.you only owe the 300.00.they are not entitled to the 90.00 fee.tell them you will send 300.00 and consider the matter closed.

Yea I thought there was something fishy with the whole fax deal! not to mention my drivers license. I know that the app's always ask for your DL # so why else would they need it.......

ANOTHER UPDATE
here is the email recieved from magnum :)
We are in receipt of your email dated May 6, 2011 and it was forwarded to the lender. This response is offered on behalf of the lender, ICA. International Cash Advance, Inc. (ICA), doing business as Magnum Cash Advance, is a British Virgin Islands (BVI) corporation. No solicitation or advertisement was offered in Michigan by ICA. Customers must seek out ICA on the internet and apply on "their" web site. The choice of law governing your loan, The BVI, was clearly displayed on the web site and in the loan agreement you executed.
The contract that you signed electronically states, "All applications, transactions, and credit decisions will be deemed to have taken place in BVI, regardless of where you may be viewing or accessing this site. Borrower is responsible for complying with any local statutory obligations that may exist in their state or area with respect to any transactions with ICA dba Magnum Cash Advance. If we approve your application, the disbursement of funds will be in compliance with ICA policy and headquarters in the BVI. Our transactions are governed by laws of the BVI. The laws of the British Virgin Islands governing consumer loan agreements may differ from the laws of Michigan. If you do not want to enter into a consumer loan agreement subject to the laws of the BVI, you should apply for a loan at a provider located in Michigan. All aspects and transactions on this site will be deemed to have taken place at our location in the BVI. This transaction shall be governed in accordance with the laws of the BVI without regard to its conflicts of law principles, regardless of the order in which the parties agree. The Agreement shall be deemed executed at our location in the BVI as designated herein. Your acceptance of our service confirms your prior acceptance of this Agreement and to jurisdiction located within the BVI. "
Regardless, the lender has no desire expending effort servicing a customer who does not appreciate the value of their installment loan and revolving line of credit products that are designed to meet a cash flow crisis on a moment's notice. The Director of Operations for ICA has agreed to consider your loan of March 21, 2011 as paid in full. All requests for refunds must be mailed to the following address:
ICA Management Inc. Attn: Melanie Lewis
dms House
20 Genesis Close
PO Box 31910
Grand Cayman KY1-1208
Cayman Islands

So far the phone calls haven't happened yet for the others, BUT I am sure that they will! I got my 1st full paycheck in 6 months! and It felt GREAT to pay my bills! I want to thank EVERYONE on this site for the help and guidance! I had felt so desperate, frustrated and depressed over the situation I have gotten myself into! now I can actually smile!!
Will keep everyone posted on the other PDL's as they come.,.,

cool a PIF,but how much have you overpaid magnum?if it is a good amount i would push for a refund and email the request.glad things are going better for you.yes do keep us posted.

I over paid them around 600.00$. I will try to pursue it but I doubt I will see a dime. but the PIF is GREAT!!!

yes do so.they give that address and conditions to try and discourage people from seeking refunds.it has been done as magnum has refunded before.email and keep emailing your request.it can't hurt to try.

Just got a voice mail message and a few emails from signmyloan about being charged a fee for the ach being returned... & call to set up payment arrangements. I think these people are confused, they sent the the email I wrote in my 1st post about the 54$ refund and the fax B.S., but yet they are still trying to ach my account. guess I could pretty much say that I was right about the refund/fax my DL to them being some sort of scam....... I should call the lady back and ask her how they would like to work out the "payment plan" for my 54$ refund.....