pay day loan nightmare

I recently posted a question and got great advice re: payday loans that are NOT legal in CA. I followed the instructions that are very detailed on here after finding that one particular lender was not licensed here. I wrote them an email showing CA laws and requested a refund on the fees/interest I had paid. This is the response I received from them:

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 Trade in Services, 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.

Regards,

Customer Service Department
Advancemetoday.com

Is this true/legal?

Thanks