I have/had this illegal payday loan. I revoked ach, which they have honored. I owe around $200 from the original principal that I am willing to pay (when I can in about a month). I got an email from them saying they are giving me 3 days to pay or contact them to make arrangements....but, they say that I owe $438 and they are offering me a one time settlement amount of $557? How is the settlement more than what I owe? Anyways, they said that if I don't pay it will be on my credit report and teletrack for 7 years. Can an illegal (Malta) pdl do that? What is a teletrack anyway?