VIN CAPITAL is being a pain. What do you suggest?? HELP!

So here are the email exchange I've had with this guy at VIN CAPITAL:

Me:
(Oct 3, 2012)
Dear Lender,

It has come to my attention that payday loans are prohibited in my state. Therefore, the loan contract that I have with you, according to my state’s laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. To date, I have received $200 and have made 3 “renewal” payments of $60 leaving a balance due of $20. I am willing to repay the $20 balance via credit card on 11/1.

At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked.

Please contact me to set up payment arrangements as outlined above.

VIN CAPITAL:
(oct 3, 2012)


We respect a consumer who researches the services to which he/she uses. With that being said when you applied for and agreed to the terms of the loan, it would have behooved you to read the complete contract you agreed to with VIN Capital. You are a citizen of New york, however the contract was not made in New york. The contract was completed via the world wide web, the governing law (clearly outlined in your contract) which you agreed to by your legal e-signature are the laws of the jurisdiction in which the lender is located. When you spoke with Shayna on 8/13/2012 at 12:43pm CST, she clearly outlined how the loan works and what the finance charges were, yet you still accepted the loan. Also this is your 3rd advance with VIN Capital, with a signed document for each reactivation.

We would be willing to settle with you for the principle amount remaining on your account. We could initiate the debit to your account of $200 on your next due date of 10/17/2012. If making one payment to payoff the principle isn’t possible for you, then another payoff arrangement may be available. Please call to let us know how you would like to proceed and ask for me directly. If I am not available, then please request a supervisor. You can also have the debits stopped on your account by placing a stop payment on our debit. This will result in your being sold to outside collections.


AlecS
CWB Services LLC.
p. 866-272-1866
f. 866-274-3604


ME:
(Oct 3, 2012)

Hm...how did I guess this is the response I'd be getting



I hope you do not make the mistake of debiting my checking account after I revoked ACH authorization. I don't think you are interested in being brought up on federal charges.

You can either take my payment arrangement as I offered it to you, or you can stick it. You have no recourse here. If it is more profitable for you to sell this to outside collections rather than take my $20, then you can do that; I will save myself the 20 and cease and desist the CA.

Your choice.

Best regards!

Then I wrote to them again with this:
(Oct 3, 2012)

After doing my research about payday loans, I have learned that even though you are based in a different state, unless you are licensed in my state, which is New York, it is ILLEGAL for you to do a payday loan.
Now, I am NOT one of these slimy people who get a loan and then try to find ways to not pay it. I am, however, one of these people who get a loan, pay it back (and even more than the loan and fees) and will fight to stop having an illegal company take money out of my account!
I have also learned that it is in my right to stop ach debit payments from my account. This is not illegal. What is illegal is your company!!
You feel you can bully people into paying more than what they borrowed. You hope these people are too stupid to research and realize what you are doing is illegal. It is also disgusting and immoral.
You use scare tactics to get people to give you their money after they paid you what they borrowed. I am not stupid. I do not believe you can have me arrested or put my social security number on hold. I DO NOT believe you are a genuine company and I DO NOT believe you help people when they need it. You pray on working class people who are in financial trouble.



VIN CAPITAL :
(Oct 3,2012)

Please provide a good contact number so that I can contact you regarding setting up alternate arrangements, your current number on file 631-896-2345 is disconnected . If I do not hear from you prior to 10/17/2012 I will set up the full amount of 200 to pull from your account. please see below regarding your contract and revoking your transactions, this information can be found in your loan document and disclosure.

ME:
(Oct 3,2012)

I do not want any communication via phone. Communication will be through email or postal mail ONLY!
I revoke any and all ach


Then he writes this
VIN CAPITAL:
(Oct3,2012)

Thank you for responding, however we do have your full permission to take the 200 out of your account. at this time Your account is set up for the 200. I will not stop the payment, and I will not accept 20 dollars. You have reactivated your account and fully understand all terms of your advance. I have already dropped the 60 renewal charge off. Your balance is 200 to pay off, if your payment from 10/3 returns then you will be responsible for 350 to pay off. You have agreed to skip your payment to double up on 10/3 and that agreement must follow through. If returned than your balance is 350 for payoff, nothing less. Please contact our office if you are needing to set up alternate arrangements to pay off your balance. otherwise every email from here on out will be considered junk mail.


So I reply of course:
(Oct 3,2012)

This is not how a legitimate company would deal with this. This proves even more that you are criminals. Junk mail this. I am showing my bank the ach revoke letter and have printed it out to send to any collection agent. It is in your best interest to just take the $20 and be done.
If you do not, then you are telling me you are criminals. Thank you

So now I am pissed cause he isn't responding. So I write a couple emails:

ME:
(Oct 3,2012)

Oh my gosh. I am so sorry. Wow I can't believe I wasn't going to pay you what You deserve.


Oh wait, you deserve NOTHING! But the only payment you will receive is what I LEGALLY owe you! $20. Either email me your mailing address to send the payment of $20, or go shove it

ME:
(Oct 3,2012)

Threatening New York residents is not wise!


Now I'm getting really angry!! And when I get really angry, I swear to get attention, especially if someone is ignoring me!


ME:
(Oct 3,2012)

Here is a contact number:

1800-fuc-koff


So he finally replies

VIN CAPITAL:
(Oct 3,2012)

Please have your attorney contact me at their earliest convenience



ME ;
(Oct 3,2012)

For what reason please?

Please give me your mailing address so I can send my final payment. Thank you



He doesn't respond with a reason, so I send another email.

ME:
(Oct 3,2012)

Dear Asswipe

Take the twenty or go scratch. ACH authorization has been revoked and if you try to debit my account, the bank will not honor it.


Then I replied again to him requestion my attorney contact him

ME:
(Oct 4,2012)

And why is this? My attorney doesn't need to contact illegal lenders for no good reason. Give me a good, viable reason why they should contact you? Hm....

By the way, I am reporting your company and you to New York State attorney and anyone else who I can find that should know about your illegal company. Thank you for this!


Ok, so I send him one more email.

ME:
(Oct 4,2012)


Electronic Funds Transfer Act

907. Preauthorized transfers

(a) A preauthorized electronic fund transfer from a consumer's account may be authorized by the consumer only in writing, and a copy of such authorization shall be provided to the consumer when made. A consumer may stop payment of a preauthorized electronic fund transfer by notifying the financial institution orally or in writing at any time up to three business days preceding the scheduled date of such transfer. The financial institution may require written confirmation to be provided to it within fourteen days of an oral notification if, when the oral notification is made, the consumer is advised of such requirement and the address to which such confirmation should be sent.


I AM REVOKING ACH AUTHORIZATION. By law I am ALLOWED to do so. And your response to my precious emails is PROOF you read and received this more than once. Thank you!!



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Ok...so what now?! I do not want to backdown but this a-hole is regarding my emails as junk mail?? Wtf? What do I do?? Anyone have advice on what to write him? Arg this is annoying!!! I want him to do my loan as paid in full. And I don't want to quit until he does. How do I get him to respond??

HELP!!!!!!