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Here are a few examples of some of the email responses to my letters:

1) I respect a consumer who researches the services to which he/she uses. With that being said when you applied for and agreed to the terms of the loan it would have behooved you to read the complete contract you were agreeing to. You are a citizen of the state of Florida. However the contract was not made in the state of Florida. The contract was completed via the World Wide Web. The governing law (clearly outlined in your contract) which you agreed to by your legal e-signature is based in the isle and providence of Nevis West Indies Bahamas.

With all the information at hand I am still willing to work out arrangements for the balance that is still owed on your account.. You may contact our offices 8am-5pm CST Monday-Friday. Our toll free phone. If no contact is made within a reasonable time the account will be sent to a third party collection agency.

If you have any questions do not hesitate to call or email.

2)East Side Lenders is responding to your correspondence regarding the above-captioned account.
East Side Lenders, which is located in Delaware, is licensed by the State of Delaware to make small loans. All such loans are approved and funded in Delaware, with repayment to be made in Delaware. The East Side Lenders loan agreement and website contain all disclosures required by Delaware and federal law and make it clear that all transactions are governed by Delaware law. On the advice of counsel, East Side Lenders maintains that the choice of Delaware law as controlling in the loan documents would be upheld, as all of the significant contacts in the loan transaction occur in Delaware. The loan agreement is legal and enforceable. In responding to your correspondence, East Side Lenders notes and reserves all available legal and equitable objections to the points you have raised.
East Side Lenders provided this service as a convenience to you. We still consider your loan to be outstanding and are prepared to go to arbitration as provided for in the Loan Agreement between us. As an alternative, if you are experiencing financial hardship, we will be happy to speak to you about payment arrangements through which you can successfully meet your payment obligations. East Side Lenders will consider doing so because of our continuing commitment to servicing our customers and not because of a legal obligation to do so.

3)We respect a consumer who researches the services to which he/she uses. With that being said when you applied for and agreed to the terms of the loan, it would have behooved you to read the complete contract you were agreeing to. You are a citizen of Florida, however the contract was not made in Florida. The contract was completed via the world wide web, the governing law (clearly outlined in your contract) which you agreed to by your legal e-signature is based in Utah. When you spoke with on 04/12/10 at 8:15am CST, she clearly outlined how the loan works and what the finance charges were, yet you still accepted the loan.

If you would like debits stopped on your account, you can either pay off the loan in full for $390, or go to your bank and place a stop payment on us. Please keep in mind, the latter option, will result in your account being sold to outside collections. Thanks,

JHS Marketing

4)The contract is with a Canadian Tribal entity. We do not fall under Florida regulations. Apparently, you are not satisfied with the service. We can grant a settlement on your $670 balance for $190 paid in full by 7/2. Please advise before 6/30. Thank you-

The funny thing about this one is the loan was for 400 and i have already paid 360