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What does it take to get a PIF from Zip19.com?

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I sent emails and faxes and have only heard from them letting me know that Northway Financial (which is Zip19) is licensed by the government of Malta as a financial institution, and the law of Malta, not the State of Oklahoma applies to its terms. They provided me with this notice so that I would understand the
terms of my loan. The only thing I have understanding of at this point is they want their money and I don't think they have marked my account as PIF. I responded to their first attempt at getting me to pay them more money by sending them the below:

"I am not a resident of Malta, have never claimed to be a resident of Malta, and never will be a resident of Malta, therefore, I am not bound by the laws of Malta. If you have any further questions or comments regarding this matter please contact my state's Attorney General's office. As stated in my previous correspondence, I have paid enough in fees charged by your illegally operating company to cover the $1100 outstanding balance. You should apply those fees to my outstanding balance and mark my account as paid in full. In order to come to an agreement quickly, I will not be asking for the additional balance I've overpaid to your illegal company in fees as a refund. Please keep those overpayments in consideration for marking my account as paid in full.

Have a nice day."

What are my next steps? This waiting is the hardest part! How far will they or, even more importantly, can they go in order to get their money?




They were the first ones to settle with me.

The person that I worked with was thunter (@) zipcash.com and sandy (@) zipcash.com, try those two people.

Sub: #1 posted on Thu, 08/14/2008 - 19:12

danilewis82 danilewis82

(Posts: 296 | Credits: 24.52)

Is zipcash and Zip19 the same company? It's crazy how many names they go by...it's hard to keep them all straight! Zip19 is my last one and I'll be pdl free!!

Sub: #2 posted on Thu, 08/14/2008 - 19:16

thlovely1 thlovely1

(Posts: 99 | Credits: 20.06)

Guess I spoke too soon, I was speaking of zip cash, im not sure if they are one in the same

Sub: #3 posted on Thu, 08/14/2008 - 20:39

danilewis82 danilewis82

(Posts: 296 | Credits: 24.52)

Unforuntately, I've already sent them the email but maybe I'll hear from them if they are not the same company.

Sub: #4 posted on Thu, 08/14/2008 - 20:41

thlovely1 thlovely1

(Posts: 99 | Credits: 20.06)

im sorry. but maybe they are one in the same, who knows. keep ,e posted!

Sub: #5 posted on Thu, 08/14/2008 - 20:42

danilewis82 danilewis82

(Posts: 296 | Credits: 24.52)

Zip cash sft and Zip 19 are not the same company. Zip Cash sft is out of New Mexico.

Sub: #6 posted on Thu, 08/14/2008 - 20:43

goudah2424 goudah2424

(Posts: 7936 | Credits: 1224.91)

well is zip 19 operating illegally?

Sub: #7 posted on Thu, 08/14/2008 - 20:44

danilewis82 danilewis82

(Posts: 296 | Credits: 24.52)

I gathered this information from this site. :)

Zip19's mailing address: Unlicensed/illegal
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: [email]customercare@zip19.com[/email]< /div>

Sub: #8 posted on Thu, 08/14/2008 - 20:48

Shazzers Shazzers
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(Posts: 17342 | Credits: 1592.85)

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