Disclosures

I am also interested in hearing about this. What would the response be to the PDL or the CA representing the debt?

Well actually what can a person say? Is it worth arguing with an illegal/unlicensed lender, not really. Do you or anyone else really think they're going to admit their guilt, I doubt it. There is no purpose in arguing with the lenders who are lending money to people illegally, they will simply continue to respond with pre-written emails that threaten, harass and attempt to haggle with people in order to get more and more money to fill their pockets. This is just my opinion, but, I state the facts to them, then throw the ball back into their court, and usually the only response is a pre-written email with all the above. Just do the right thing and let them throw their empty threats around and ignore them. Either that or change your email address and phone number. There is no simple answer to this question, IMO.