I took out a loan from VIP cash in April, and I have made payments, but I was only making payments on the interest. I have taken loans out from them before, and paid hundreds of dollars in interest fees, and I could not do it again. I found out they were an illegal payday lender in my state, I sent them the e-mail that was posted on the forums, changed my bank account, and told them to respond. I did not hear anything from them. I sent another email, no response. Then today I get a phone call from a lawyer representing VIP Cash saying that I, and my references are being served paperwork tomorrow at my job because VIP cash was suing me for theft, they even gave a docket number 202884-FL.US, but this docket number is not at all similar to the docket numbers listed at our courthouse. When I told the lawyer that I found out that they were an illegal payday lender and I have made numerous attempts to email them, he said that VIP is based it Las Vegas, so they are bound by Las Vegas laws. He also says that the law only states that they cannot have an office in Florida, not that they are not allowed to lend. He also says that now I owe for $4000 dollars for a $800 because of fees, and that they will be serving papers to myself and my references for petty theft and conspiracy.
Can they do this? Am I being sued? What should I do? I have been threatened by so-called lawyers before, but they usually sounded like Indian guys, so I knew it was a scam. This guy though is American, and called from a New York area code.
I'm kinda scared,