Lol , in order for you to be accepted my friend "you had to sign a document page , "Pay-Day" loans are among the largest rip-off agents on the planet and prey on those that have lesser credit ratings for high percentage pay back.
The contract you signed you can rest assured, they have all bases covered... ( I don't know if you have cash in hand) or if you put up collateral .
In a civil suit against you (could take weeks) the prosecutors will argue "that you" fraudulently misrepresented yourself in a effort to gain monies.. on the other hand , in your defense the responsibility of the Contractuial Agreement represented to you from the company agent, failed to call for verification... therefore renders the contract questional by the judge.
Now, if you have taken the monies "you will be ordered" to refund , and show's malicious intent on the behalf of the accused (you)
You more than likely are dealing with a small loan, otherwise would have to place collateral for the monies. These loan folks are in and out of court daily, and use the judicial system based on signed contracts .
If you have recieved the monies, you have to pay it back positively .. If you have not any monies in hand ..call them and state " you want to void the contract"! Most judges have reservations concerning company's that jilt customers with high pay back rates..