Please Help..Need some Advice on PDLoans online..

I live in mississippi: I followed the steps in regards to dealing with illegal payday lenders, after looking at the laws in my state regard payday lenders. Hydra fund sent me a response back stating they are not bound by the laws of the United states, but the laws of new zeland and I need to send asap a new zeland. Should I even Respond to there email? Any advice???

All loans are online payday lenders-Non are licensed in my state, per my state loans rollovers not permitted, each one these engages in rollovers etc...

Hydra fund 200-paid 420 already-sent letter requesting refund

Cmb processing-200-Paid 460 already-sent letter requesting refund

Mycash now-430-paid 342 already-owe 88-sent letter advising that willing to pray remaining prinicple only,once provided with address to remit payment