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.