So I just got a call back from Amber at AIP, although I'd left a message for Michael to call me back. She wouldn't budge about the UK laws governing the agreement. I specifically asked her if they had a pyday loan license in Oregon and she said yes, then put me on hold and came back and said they are licensed in the UK.
Since they are located in DE, I asked how come they don't follow US law. She claims they are only a payment processing company that does the payments foe the UK company. I told her that oregon law reguires that they have a license to to payday loans in oregon. Again, I asked specifically if they had a license to do payday loans in oregon. She said they are a member of the BBB and I could check them out there.
I said that is not what I was asking. All throughout this conversation she kept putting me on hold and asking someone else for the answers to my questions. Once she even forgot to put me on hold and was acting like I'm some idiot that doesn't understand what she's saying. She kept reiterating that they follow UK law, that I agreed to it, and that they don't need to be licensed in Oregon to do payday loans.
Finally, she said that their controller will be calling me tomorrow to answer my questions. I know they are not licensed in Oregon. I want to be very prepared for this conversation. Is there anything else I should have available to me besides oregon payday laws?