Zip19.com - too many complaints against them?

Here is address of Zip19 for correspondence, etc....


Northway Broker Limited
Level 8 Suite 3,
Plaza Commercial Center,
Bisazza Street,
Sliema
SLM15, Malta

Phone: 1-866-958-3278

This is the address that most of us have used..including me.

What would you like to know about proceeding with them? Do you currently have a loan with them?

yes a PDL-illegal in Pa where I reside, unless liscensed in another state. the ACH was to come out of my acct tommorrow, but the acct is now closed.

The Malta address of Zip19 is a mailbox only. Send all your information to the address listed below. I can't believe it, they are part of the group (sonic, paydayavenue, cashtransfercenters) DO NOT use Zip19.com. If you check the other websites, they are set up the same way and use the same Livechat. They are part of E-Care Contact Centers.

E-Care Contact Centers
400-15225 104th Avenue
Surrey, BC
V3R 6Y8

This is their phone number.
(604) 588-2260

This is the Head Office of Northway Financial. The address in Malta is only a mailing address.

This is the correct address. I have done some investigation on this outfit in the past.

what is the problem with zip19.com? i just requested a loan from them and now i have some reservations.

deborah- please read what others have said about them-stay away from pdls and ipdls-you will only sink further into the hole. You can use the search feature at the top of your screen and see what others have been through with pdls like Zip19, not only with them but others..Good Luck..karen :D And if we can help- please let us know

[samebox:6b60cc795f="Vikas"]
Content removed since I received the following Fax from Steve at Northway Financial certifying under penalty of perjury that the content posted is false. This was done as per policy posted at http://www.ourcommunitypower.com/vikas/how-to-respond-to-information-posted-about-you-or-your-company-on-ourcommunitypowercom-forums/

The fax has been kept on file.
Vikas[/samebox:6b60cc795f]

[samebox:7852beef14="Vikas"]
Content removed since I received the following Fax from Steve at Northway Financial certifying under penalty of perjury that the content posted is false. This was done as per policy posted at http://www.ourcommunitypower.com/vikas/how-to-respond-to-information-posted-about-you-or-your-company-on-ourcommunitypowercom-forums/

The fax has been kept on file.
Vikas[/samebox:7852beef14]

[samebox:d33ed865c4="Vikas"]
Content removed since I received the following Fax from Steve at Northway Financial certifying under penalty of perjury that the content posted is false. This was done as per policy posted at http://www.ourcommunitypower.com/vikas/how-to-respond-to-information-posted-about-you-or-your-company-on-ourcommunitypowercom-forums/

The fax has been kept on file.
Vikas[/samebox:d33ed865c4]

I just requested a loan from zip19.com and just found this site and Im scared. I cant find any way to stop the request for the money and I dont want my banking information used in the ways I have read.

My message sounded strange thought I would retype it. I just applied for a loan with the zip19. now I cant look anything up. Then I found this site which shows all the trouble with that pda. I cant find a way to get a hold of anyone from that site. I cant find a phone number or get back into the site without reapplying. which I wont do. Im afraid about my banking information at this time.

Quote:

Thank you so much for the information on Zip19.com. I am going to my bank this morning and closing my account. Its worth the inconvenience. I feel stupid and used. Im glad this website is here.Thanks again for the information.

[quote=guest]My message sounded strange thought I would retype it. I just applied for a loan with the zip19. now I cant look anything up. Then I found this site which shows all the trouble with that pda. I cant find a way to get a hold of anyone from that site. I cant find a phone number or get back into the site without reapplying. which I wont do. Im afraid about my banking information at this time.[/quote]

I may be over-reacting on Zip19.com, but... I'd think strongly about closing your account and moving to a different bank. Now. Today, if possible. Not later than Monday morning, in any event.

Here's my reasoning: It's a given that PDLs are a Bad Idea, and a proven fact that many of these companies will cheerfully abuse their access to your bank account, to the tune of hundreds or thousands of dollars if given a chance. If you close that bank account, they cannot usually* withdraw money from it. Moving your business to a different bank, rather than simply opening a new one at your present bank, denies them the opportunity to use your routing information to find your new account. Hopefully, some more experienced members will chime in here after they've had their coffee.

* Talk with your bank branch manager to make certain that your account cannot be forced back open by automated transactions after you've closed it. Also, please read through the PayDay Loan forum here on this site to get more/better information on ways to protect yourself.

Seems to me that if you close the account before Zip19.com can get the 'loan' deposited, that they shouldn't have a leg to stand on later. Again, talk to your branch manager about it, and talk to the more experienced members of the forums here. They're really great folks.

As for feeling stupid, dont. You aren't the first person who's been where you are, and you likely won't be the last, more's the pity. You're actually way ahead of the game here. You've caught on to the trap before you fell completely into it. Should be nuch easier to get out of it at this point than if you'd gotten well and truly snared. Read the PayDay Loan forum, and you'll see what I mean.

You might also consider becoming a registered user of this site. It's free, and it'd give me and others a way to distinguish you from the other 937,451 people who post here as "Guest". It makes things easier for us to keep things straight among multiple active threads.

Best of luck to you!

When I applied for this loan from Zip19.com then it was under nofaxcashtoday.com There seem to be many websites with that name. Everything seemed fine until it gave me the to look up my information that is when my computer wouldnt load up so I shut it down. I havent received any emails or anything else at this time. Im going in to talk with the bank as I have all my banking done automatically. It appears I may not be able to close out my account due to ach action. But I will attempt to do what I can to protect my account. Thanks again. former guest who has now joined. Great website.

Active link removed.Cajunbulldog

I'm not gonna open your link at the moment, as I have some other bandwidth-intensive things running at the moment. I have to go to work in a little bit, anyway. I'll have a look at their site later today. If I find anything to be concerned about from a computer security standpoint, I'll let you know.

Does anyone know the what the ach information will be to the bank when zip19 trys to take money. I havent had anything come in but the bank would like the information in case they try.

I just wanted to report that I was able to stop the loan with zip 19 before it was sent to my bank. :D I will be keeping an eye on my account. I hope that I have no trouble from zip19. Thank you for all the information I was given.

So if you close your account on these payday loan people you're saying that they cant/wont legally come after you for their money? I would think there would be som recourse like them trying to attach your paycheck or trying to sue or involve law inforcement.

While I think all internet payday loans are a scam, I have used zip19 and I didn't have a problem. In fact, they were the only payday loan company that didn't have the rollover option...which I now know is illegal in my state.

When they debited the agreed upon amount from my account, it just said "automated debit zip 19 payment"

Sadly I found this site after it was too late....I am currently filing bankruptcy and Zip19 is one of my many pdl creditors. Earlier there was 2 different address listed and I would like to know which one I should use to send the bankruptcy notice?

TIA

I want to re-borrow however can't find the application location on the internet. Where doI go to re-apply?

personal info removed for your protection - Goudah

Buy'em books, send'em to school.........

Can Zip19 and other pdl's contact your payroll department or work if you can't pay them?

Tell your bank manager to look at your account and refuse any activity that drafts after the loan has been paid.The banks can and will do it and the bank itself can contact the FBI on fraud.The banks get results when citizens cant.

how do i find out if i got my loan from this site

We can't get out of their deposits on a negative bank balance (5 times now without authorization)Emails to bank and zip19 have failed.How to stop?MSmith

wow! now it all makes sense to me. I had a loan with zip19 first they told me they would use my debit account to withdraw my funds for the loan but when time came they said we dont use debit so i changed the info to my savings,they said they could use, when the day came loan was to be paid my bank said there was never any attempts for a withdrawal so zip19 charged me for the late charges saying i had insufficient funds! the money was there and they never tried to withdraw then they said we dont use savings acounts either! i should have known. B Bam

Okay so after this company presents payment to my bank before my payday does and my bank returned their debits. ( they presented two each for half the amount of loan and fees owed, instead of 1 debit) not from my checking account , from my savings , so I didn't authorize checks and definitely not 2 of them , they are now trying to collect 2 nsf fees from me in addition to the loan and fees. I called their customer support and didn't get anywhere. I was told they would mark my account as not paid. I told them to collect what I owe but I didnt feel liable for the nsf fees since they debited before my payday. I have contacted my state attorney generals office and filed a complaint (ohio) from what I am reading on you site it doesn't look like they can legally collect anything . They are not licensed in my state. I just recieved an email from them that they have reported me to teletrack for non-payment of course ruining my credit further. What should I do ? I have not heard anything from attorney general . I also filed a complaint with the FTC.

first of all you can close that account and open up another but you would just owe. they would not be able to touch your new account.

Identity theft is also not uncommon.???

Anyone care to share stories about identity theft while using them?

My girlfriend just had two unauthorized charges on her account so i'm curious to hear other instances.

Genesis financial solutions is picking up Zip19's unpaid loans. It appeared on our credit report and doesn't even list Zip19 as the original creditor. Does anyone know if this is legal?

I dealt with their phone calls for 2 months after i closed my bank account on them for not disclosing fees to me during our contract,but thanks to the advice from a few on this forum to fax a cease and decist letter,the ordeal is over.

I received a letter from them saying they have stopped all phone calls and collection efforts since my fax and offered to settle for the original $300 borrowed in 2 western union payments.Even though it resulted in $26.40 in western union fees it,s still lower than the $117 in fees they tried to charge.

I did get an email next day after 1st payment saying i owed the original balance minus $150,but a phone call to them ,they said just pay the 2nd payment and it,s done.They were very friendly on the phone this time vs extremely rude when i tried to argue the fees.I guess the letter must mean i have to pay original balance with fees to be able to borrow from them again since i read the small print and that,s what it said but i learned my lesson on pdl,s and will never use again!Once again thanks to you on this forum for advice.

i have recieved a loan through zip19 and it is due to come out the 20th of this month. i wasnt to worried about anything til i read all this. so now i think i will close that account as soon as the payment is made and never use it again!! thanks

I find zip19 to charge less than most payday loan companies. They charge 20% of what you borrow and most other payday loan companies charge 30%.

Okay....I got a $300 loan from zip19.com on 04/15/09 and they took out the $359.94 on 04/24/09. I know that was just a few days ago......but everything seems to be okay. They didn't over charge me. When I log into the website, it shows that I do NOT owe any more money. So I am confused if I should be worried or not.

josman27510, you don't have to worry. I have been using Zip19 for 6 months now, and they've always been OK. Once your loan is repaid, it's over.

The reason I use zip19 is because they are cheaper than othen PDL's I've found on the internet ... it's like 19% I think.

I am in charge of payroll at my company and I received a phone call and email from ZIP19 asking for employment verification. I instructed them to provide me with a signed release from the employee that I am permitted to release this information. They emailed me a letter, no authorization. So I took it upon myself and called the employee to verify and he said absolutly not, do not give his information. That he NEVER inquired with ZIP19 or anything relevant. So, I called the number listed on the "letter" and not to my suprise duh no authorization....This place is a scam!

do they have the right to wage garnishment.

If you signed a wage assignment with them, then yes they can. You will need to write a letter revoking the wage assignement.

Other than that, they would have to obtain a judgement against you in order to garnish your wages.

You people are idiots. When you sign for a payday loan online you are applying with more then one company unless you apply on a direct site. Read the fine print when you sign online documents. Dont take out payday loans if you dont intend on paying it off. Zip19.com is licensed by the state of Malta and your state laws dont apply. If it is illegal to loan in your state maybe you shouldnt be loaning. simple as that.

Zip19.com does not scam people. read your online loan documents. No interest is charged and the fees are very affordable.

They do their part in giving you the money, do your part and repay it!