Everest was sent a desist and refrain order and an order to disgorge by the state of California back in 2011. They were and still are unlicensed to provide loans to anyone in the state of California. I had a loan out with them and had been paying and rolling over, which I initially had no problem with (not knowing at the time that they were illegal), but then I started receiving emails from them asking for debit card information - this made me suspicious. After checking with the California Department of Business Oversite I learned that they and many other unlicensed Payday Lenders have been blocked from accessing California bank accounts. Since I'd basically already given them back more than I borrowed, I emailed and told them that they could not have my debit card info, and I emailed them copies of the notice given to the banks and a copy of the desist and refrain order, and that we were simply done. This was a couple months ago, but as of last Friday, the collection calls have begun. I've told the collection agency all the above information, as well as the fact that since Everest already knew that they are not supposed to lend to Californians, and my address is CLEARLY in California, that they should have rejected the loan request and their knowledge of all of the above makes the entire contract void. Of course, the collection agency won't listen, and they say they're called something else now. I'm pretty sure they'll call again tomorrow morning and I will get the name (they mentioned it in passing but I'm at work and it got busy and I didn't write it down). I'll get their name when they call again tomorrow.
I'm curious how to find out if the desist and refrain is still in effect - I want to get an email address for the collection person who calls so I can email copies of everything I've got. They still insist that I agreed to be bound by the laws of Nevis (where they're based out of) and I still insist that the contract is void because they ignored the desist and refrain. Uggghhh!!