payday loan email

As they are licensed, so you will have to pay both the principal and interest. If you are able to pay back the full amount, then go for it. Otherwise, make a settlement with your lender. Try to make this agreement in writing via certified mail with a return receipt request.

Do not fall for that BS. If you have to lend in VA, you have to be licensed with the VA state DFI, no two ways about it. Revert to them in writing and tell them that:

a) You know your laws and your rights and whatever they are trying to convince you with is a load of crock,
b) VA laws state that a lender needs to be licensed with the VA state DFI to be able to lend legally and since they are not, they are entirely illegal,
c) being a resident of VA you are not subject to DE laws
d) You are not interested in a settlement, only willing to repay whatever principal balance is left (change this to a refund demand if you have overpaid) and if they are interested, you will pay them as and when you wish through a money order or a prepaid debit card
e) Any further BS or harassment will result in a promptly filed complaint with the VA AG, the DE AG, the FTC and the CFPB.

Thanks for all your help all the information is so helpful. Sent cash call letter probably be asking for more help