I was given a payday loan of {$2600.00} from a Company called XXXX XXXX back in XXXX of XXXX. This loan was illegal in my state of NJ. I found that out after taking the loan, and after I had paid back over {$1800.00}. Payments were {$290.00} per month, and hardly any of it went to principal ( probably less than {$20.00} a month ). 
Once this loan was issue, it was immediately taken over by some company in California called Cash Call so that it would look like a legitimate installment loan. 
I was advised not to pay anymore money to this company in XXXX of XXXX. They were taking money out of my bank account, but I changed the account number once I was told not this loan was illegal. 
I have complained about this company previously. They keep sending me offers to make payment on a loan that has now grown to over {$10000.00} ( {$10000.00} ) from an original loan of {$2600.00} of which payment of {$1800.00} had been made. 
They are asking me to settle this loan for XXXX lump sum of {$1200.00} by XXXX/XXXX/XXXX, or make XXXX payments of {$170.00} starting by XXXX/XXXX/XXXX. 
I am not paying them another cent for an illegal loan that they did not initially make! 
Why are these people allowed to stay in business???? they are crooked and charge up to 300 % in interest. 
I want them to cease and desist their collection efforts and wipe this loan off their books and my credit report. Pls help. 
