Northway Financial dba Cash Transfer Centers dba Zip19.com

Consumer Alert 
Northway Financial dba Cash Transfer Centers dba Zip19.com

Updated: July 9, 2013

The Washington State Department of Financial Institutions (DFI) has received complaints from Washington consumers who reported they obtained online payday zip19loans from Zip 19.com which also does business as Northway Financial Corporation, Ltd. and Cash Transfer Centers. The consumers complained of excessive fees and interest, annoying phone calls, and the lack of installment plans.

Zip19.com operates a website at zip19.com and lists its email address as customercare@Zip19.com. Zip19.com has a purported business address listed as: Level 5, Plaza Commercial Centre, Bisazza Street, Sliema SLM 1640, Malta. On its website, Zip19.com lists its phone number as 1-877-947-1947 and its fax number as 1-866-202-6498.

Zip19.com is not licensed by the Washington State Department of Financial Institutions as a small loan or payday lender. This entity is not registered to conduct business in Washington State by the Washington State Department of Revenue or the Secretary of State. Washington residents are advised that state law provides in RCW 31.45.105(1)(d) and (3) that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State.

Verify Licenses

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on DFI’s website at www.dfi.wa.gov/consumers/findcompany.htm.

Report Fraud

If you are suspicious of unlicensed activity by a payday lender please contact the Washington State Department of Financial Institutions at 1-877-RING-DFI (746-4334), or online at www.dfi.wa.gov.

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at www.ftc.gov or contact the Consumer Financial Protection Bureau (855) 411-CFPB (2372), or online at www.consumerfinance.gov.

If you feel you have been the victim of a loan scam involving the Internet please contact the Internet Crime Complaint Center online at www.ic3.gov.

Payday Loan Debt Collection Laws

Consumers should know that Washington state law prohibits threatening or harassing behavior by individuals attempting to collect a payday loan. Only licensed companies are permitted to make payday loans in Washington.

The federal Fair Debt Collection Practices Act says debt collectors must send consumers a written notice within five days of their first phone call, showing how much the consumer owes and where the debt is from. The law says collectors can not say or even imply that nonpayment is a crime.

They can’t call before 8 a.m. or after 9 p.m. Collectors are not allowed to speak to a consumer’s employer about their debt. They are prohibited from harassing or abusing consumers and they must stop calling if the consumer asks them to.

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One thought on “Northway Financial dba Cash Transfer Centers dba Zip19.com

  1. SFA Reporter says:

    Address lookup

    canonical name zip19.com.
    aliases
    addresses 216.81.11.24
    Domain Whois record

    Queried whois.internic.net with “dom zip19.com”…

    Domain Name: ZIP19.COM
    Registrar: DOMAININFO AB D/B/A DOMAININFO.COM
    Whois Server: whois.domaininfo.com
    Referral URL: http://www.domaininfo.com
    Name Server: DNS1.ECARECENTERS.NET
    Name Server: DNS2.ECARECENTERS.NET
    Name Server: DNS3.ECARECENTERS.NET
    Status: clientDeleteProhibited
    Status: clientTransferProhibited
    Updated Date: 01-aug-2012
    Creation Date: 25-jul-2007
    Expiration Date: 25-jul-2014

    >>> Last update of whois database: Fri, 26 Jul 2013 12:30:42 UTC <<<
    Queried whois.domaininfo.com with "zip19.com"…

    —————————————————————————-
    You agree that you will not reproduce, sell, transfer, or modify any of the
    data presented in response to your search request, or use of any such data
    for commercial purpose, without the prior express written permission of
    Domaininfo AB – domaininfo.com
    Register your name in 200+ top level domains at http://www.domaininfo.com domaininfo.com
    —————————————————————————-
    Registrar: domaininfo.com
    Domain Name: zip19.com

    [Owner of domain name]
    Northway Broker Ltd
    Level 5 – Plaza Commercial Centre
    Sliema, SLM 1640
    MT

    [Administrative contact]
    Northway Broker Ltd
    Level 5 – Plaza Commercial Centre
    Sliema, SLM 1640
    MT

    Email: dnsmanagement@northwaybroker.com
    Phone: +35 62 2606000
    Fax:

    [Technical contact]
    Northway Broker Ltd
    Level 5 – Plaza Commercial Centre
    Sliema, SLM 1640
    MT

    Email: dnsmanagement@northwaybroker.com
    Phone: +35 62 2606000
    Fax:

    Record created: 01 AUG 2012
    Record last changed: 01 AUG 2012
    Record expires: 25 JUL 2014

    Name servers according to DNS:
    dns1.ecarecenters.net.
    dns2.ecarecenters.net.
    dns3.ecarecenters.net.

    Network Whois record

    Queried whois.arin.net with "n 216.81.11.24"…

    NetRange: 216.81.0.0 – 216.81.31.255
    CIDR: 216.81.0.0/19
    OriginAS:
    NetName: MTS-216-81-MB-CA
    NetHandle: NET-216-81-0-0-1
    Parent: NET-216-0-0-0-0
    NetType: Direct Allocation
    Comment: ADDRESSES WITHIN THIS BLOCK ARE NON-PORTABLE
    RegDate: 1998-09-23
    Updated: 2012-03-20
    Ref: http://whois.arin.net/rest/net/NET-216-81-0-0-1

    OrgName: MTS Allstream Inc.
    OrgId: MTSAL
    Address: 333 Main Street
    City: Winnipeg
    StateProv: MB
    PostalCode: R3C-3V6
    Country: CA
    RegDate: 2005-03-11
    Updated: 2008-10-04
    Ref: http://whois.arin.net/rest/org/MTSAL

    OrgAbuseHandle: IAD3-ARIN
    OrgAbuseName: Internet Abuse Department
    OrgAbusePhone: +1-204-988-0219
    OrgAbuseEmail: abuse@mtsallstream.net
    OrgAbuseRef: http://whois.arin.net/rest/poc/IAD3-ARIN

    OrgTechHandle: MIE5-ARIN
    OrgTechName: MTS IP Engineering
    OrgTechPhone: +1-204-988-0219
    OrgTechEmail: netadmin@mtsallstream.com
    OrgTechRef: http://whois.arin.net/rest/poc/MIE5-ARIN

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