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How should I respond. They are illegal in SC, I had used them several times, and paid way more than my last loan on previous loans..

We are in receipt of your email dated June 10, 2013. Please be advised that we have ceased all collection activities and all communication by telephone while this account is under review.
If you take a moment to review the attached loan agreement, you will see that Northway Financial Corporation Ltd. is a Financial Institution licensed and regulated in accordance with the European Union (EU) Directives. As such, the laws of the Republic of Malta (member State of the European Union), not the state of South Carolina applies to its terms. We provided you with this notice so that you would understand the terms of your loan.
We are prepared to offer a repayment arrangement in the amount of five (5) equal payments of $191.00 as payment in full of your outstanding loan. This represents the $955.00 principle amount on your outstanding loan. Once payment has been received, we will consider this account paid in full with no further obligation.
The five (5) equal payments of $191.00 can be made via MoneyGram, and should be received by December 31, 2013. We have included the payment information below for your reference.




Zip 19 is an illegal lender all over the state of US. You owe them nothing more than the principal balance. As you have already overpaid them, so ask them for the refund. Close down your old bank account immediately and open a new one to stop debiting money from your account. Don’t make any further payments.


Sub: #1 posted on Wed, 08/14/2013 - 10:24

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thaty offer is an insult.you did right by applying overpayments on previous loans so respond this way.


dear idiots:as i am not a resident of malta and i have been taken on previous loans i reject your insult of an offer.don't like it extradite me to malta,but i will file AG,AND FTC complaints.


respond that way,and to the person above me.please read the entire post before responding.


Sub: #2 posted on Wed, 08/14/2013 - 17:49

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

Thanks as always Paul!


Sub: #3 posted on Thu, 08/15/2013 - 01:07

cyaba cyaba

(Posts: 20 | Credits: 2.62)

it's a pleasure as always.


Sub: #4 posted on Thu, 08/15/2013 - 02:36

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

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