- too many complaints against them? is forwarding loans to its customers through Northway Financial Corporation Ltd. which in turn is a financial institution lending money online to the customers of North America and Europe. Northway Financial Corp Ltd. operates under the supervision of MFSA (Malta Financial Services Authority) and thus is regulated by the laws of Malta. is an internet platform through which you can get loan up to $1500 within one day. Approval of loan is done instantaneously. For availing the loan, you have to provide information on personal employment, bank and reference details.

Zip19 does not have a good customer response. Some of the complaints against them are:
  • Charge much more repayment amount than the actual loan amount.
  • Give wrong contact details.
Zip19's mailing address:
Northway Broker Limited,
Level 8 Suite 3, Plaza Commercial Center, Bisazza Street,
Sliema, SLM15, Malta

Phone: 1-877-947-1947 (Toll Free)

Fax: 1-866-202-6498

Email Address:

A strange aspect has been witnessed about Zip19. It is part of a group consisting of Cash Transfer Centers (CTC), Payday Avenue and Sonic and the mother domain is known as E-Care Contact Centers.

Their contact detail is given below:
400-15225 104th Avenue
Surrey, BC, V3R 6Y8
Phone: (604) 588-2260

The above mentioned physical address is also the head office of Northway Financial Corporation Ltd.
Posts: 8
Credits: 930.95

hi guys again!
I went on website and the loan is listed under Northway Financial Corp LTD, with the loan "under the laws of Malta" I've read alot of various info about Northway but it was in relation to CTC - So what do you think I should use for an adress? and has anyone had any suscessful ways of proceeding with them?


Sub: #1 You people are idiots. When you sign for a payday loan online y
Tue, 06/09/2009 - 12:23

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. 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. 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!

Debt Samaritan
Posts: 479
Credits: 7476.75

Sub: #2 If you signed a wage assignment with them, then yes they can. Y
Mon, 06/01/2009 - 07:28

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.


Sub: #3 wage garnishment
Fri, 05/29/2009 - 11:42

do they have the right to wage garnishment.


Sub: #4 I am in charge of payroll at my company and I received a phone c
Fri, 05/22/2009 - 10:18

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!


Sub: #5 josman27510, you don't have to worry. I have been using Zip19 f
Wed, 05/13/2009 - 14:02

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.


Sub: #6 confused
Mon, 04/27/2009 - 09:33

Okay....I got a $300 loan from 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.


Sub: #7 I find zip19 to charge less than most payday loan companies. Th
Thu, 04/16/2009 - 17:10

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%.


Sub: #8 o boy
Thu, 04/16/2009 - 06:15

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


Sub: #9 zip19
Fri, 01/30/2009 - 13:05

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.


Sub: #10 zip19/genesis financial solution
Thu, 12/18/2008 - 03:12

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?

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