Index: includes/loan_action.class.php
===================================================================
--- includes/loan_action.class.php      (revision 785)
+++ includes/loan_action.class.php      (working copy)
@@ -1313,7 +1313,7 @@
      ";
     #error_log($statement);
     $sth=$this->conn->Execute($statement);
-    if ($sth&&!$sth->EOF) {
+    if ($sth&&!$sth->EOF&&$sth->fields[1]!='0') {
       $old_cust_id  = $sth->fields[0];
       $old_loan_id  = $sth->fields[1];
       $old_run_date = $sth->fields[2];