A Small Setback...now what??

This department has received recent communication regarding the above account. The communication received is recognized as portions of a form letter (cut and Paste template) currently being widely circulated via the Internet. Unfortunately this form letter is filled with misleading and incorrect information. The use of this form letter leads us to believe that there is not a specific complaint connected with the handling of your account. Please be reminded that the terms and conditions of the agreement you entered into with our company was presented to you at the time of your application and you were given a 48 hour window in which to cancel the agreement. In addition before each debit processed (within the guidelines of the agreement) you were given an account summary stating your options of fulfilling the agreement including instructions for repayment of the entire amount of the advance, in order not to incur additional fees. Since there is no mention of a specific problem with the way your account has been handled we must conclude your account was handled as agreed therefore your account will continue to be handled as agreed. Your persistence in this matter with us or any other agency that does not include an account of how your account was handled out of the guidelines of the signed agreement will merit the same response as the one you are now reading.
A copy of your electronically signed contract can be faxed for your review. If, after your review, you find your account was handled differently than was/and is stated in the agreement please forward those details at once so further review of your account can be completed. It is our earnest endeavor to provide the best possible customer service and customer satisfaction and miss-handled accounts will be researched and addressed. Since you have not even paid the deposit amount, we placed in your account at your request, you need to take some responsibility for your actions and make arrangements to pay this debt.

Please also note, we are the original creditor, the fdcpa applies only to 3rd party collectors.
We appreciate the opportunity to respond to your concern.
Sincerely
Compliance Department
United Cash Compliance Department
Fax: 1-800-230-9480
Email: compliancedepartment(at)unitedcashloans.com

And here is what I sent them back:

To whom it may concern:
This letter is in regard to your email communication from today. Actually, there is a valid reason for my closed account, that being unauthorized fraudulent activity. I also have not ignored any attempts to contact me as stated in your correspondence. I have faxed and emailed your company multiple times. I did not cut and paste a form letter in the previous email that I sent your company, as you have accused me of. They were, in fact, my own words. It appears that you have responded to my letter with a form letter as well. I am unsure of what misleading and incorrect information you say my letter was filled with. I do, in fact, have a specific complaint. My complaint is that you are operating illegally by loaning to a citizen of the state of Ohio where you are not licensed, and that you are rolling over loans, and charging more than the allowed interest rate in the state of Ohio. Please see the laws below for payday lenders:

here I inserted the laws

Your company is in violation of Ohio Rev. Code Ann. ???????? 1315.35 et seq which states that there is no rollover allowed and may only charge interest rates of $15 for every $100 loaned. Your company is not licensed to do business in the state of Ohio which actually makes this whole transaction illegal. One must be licensed in the state of the consumer it does business with. I have confirmed that with the attorney general's office for the state of Ohio. Even though you are not located in Ohio, you are still subject to the state laws since you are doing business there.

Once again, I revoke authorization from United Cash Loans, or any representative, parent company, affiliate, or subsidiary of United Cash Loans, to withdraw any funds from the checking account under the name of Sassnlucy, account number ***** located at ****** Bank. I also hereby revoke any voluntary wage assignments that I may have signed. I can only be reached by email or the United States Postal Service and will be happy to correspond in that fashion. I cannot receive personal phone calls at work. I have previously asked that I only be contacted by email or USPS and I received a call from ???????Nikki??????? at 800-354-0602, ext. 2045 and another call on my home answering machine. The law states that if I ask not to be called at work then you have to abide by that. I would like to settle this account for $20, which is the amount that I owe for the principle that was loaned to me.