What to do when illegal payday loan lenders do not give you a reply

Some will take longer - who have you not heard from?

I got this response this morning from Advance Me Today. I was going to send them the letter again. Please advise anything else.

Thank you for contacting us.

Please be aware that this is a St. Vincent company, St Vincent and the United
States are both parties to the General Agreement on Tariffs and Trade
(G.A.T.T.), a treaty which specifically permits companies in one country to make
consumer loans to citizens of the other.

Under the treaty, we are only obligated to follow the federal laws of the United
States. We are not required to obtain state licenses and individual state laws
do not apply since the federal laws adopting this treaty supersede any state's
laws on the subject.

If there is anything else we may do for you do not hesitate to contact us again.

Just remind them that you never stepped in St Vincent and when they decided to do business in your state they agreed to follow the laws of that state.. and they must be licensed to lend there. and since they have now pretty much told you that they did not follow your state's laws the contact is null and void.. Tell them you will be expecting a PIF note right away and if they choose to turn over to an outside collection you will merely send a C&D explaining that they are collecting on a null and void contract.

Glad to help!! Let us know what ever you need...

Thank you!