Need some advice! I had a loan with Zest Cash who is now tribally owned by Spot Loan, NOT spot on loan though. A year ago when they went tribal, I realized I had paid principal, closed bank account and notified them of this. I had heard from two different bottom feeders trying to collect and repeatedly told them that I had paid back principal and I was done with them. I had not heard anything for about 6 months ago, until today. Someone named P&B Collection called wanting to discuss Zest Cash. Zest Cash is no longer a valid company, they are now Spot Loan.
So my question is this - how do I prove in writing that since they are tribal now that I am done messing around with them. I had overpaid principal by about $500 at the time they switched to Spot Loan. I am just afraid that they are going to try and sue me or garnish since Zest Cash actually was a legit company at one time.
Sorry if this is confusing! Any advice is really appreciated!
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