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I live in Maryland and I have a loan with the VIP Loan Shop. My loan was for 300 and I already paid 360$ in fees. Theoretically I should get a PIF from them once I send my CD letter but I wanted to ask if anybody has dealt with them before. I know they're based in Nevis, West Indies and they are obviously highly illegal.
You’re right. They are illegal all over the state of US mate. You owe them nothing more than the principal balance. You have already overpaid them $60. Ask them for the refund, but it fully depends on their discretion whether or not to return your money back. Close down your old bank account and open a new one to stop debiting money from your account.