In XXXX XXXX I received a loan for {$2500.00} from XXXX XXXX XXXX that i planned on paying back within 2 months. I did n't get paid by employer what I was supposed to ( won a judgement against employer in XXXX XXXX ) and was n't able to pay the loan off immediately. The loan was serviced by CashCall ( a subsidiary/affiliate/shady partner of XXXX ) and eventually was transferred to XXXX XXXX ( another shady affiliate ). I made monthly payments of {$290.00} for 12 months. This amounted to {$3500.00}. About this time I did some research wondering why XXXX different companies were involved in the loan. That 's when I discovered all the different complaints and lawsuits and legal issues with the XXXX companies. I also found out that recently XXXX XXXX XXXX website had been shut down and had US government agency labels on the site. I decided that obviously they are n't doing things legally so I stopped paying. My credit was n't good so I did n't care, I knew I just could n't keep paying that amount, I was raising a child at the same time. I cancelled my bank account. The harassment came almost daily. Phone calls everyday, emails, and letters. I eventually told them they had the wrong number and the calls stopped. Eventually it came down to an email every other month offering a settlement with an ever increasing outstanding balance. Now it is XXXX XXXX and i am trying to qualify for a mortgage and this is hurting my credit which is now much better than it used to be. 
The entire loan was null and void from the beginning. XXXX XXXX XXXX was issuing loans that were illegal in their state and in my state of Arizona. 
