My name is Jason Burk and It has come to my attention that payday lenders must be licensed by the state of New York in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of $400 on 01/17/13, and have had 11 bi-weekly withdrawals of $120 debited from my account. This results in an overpayment of $920.
At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the $920 overpayment. A refund check of $920 should be mailed to me at the address you have on file.
I am also revoking authorization for ACH withdrawals and 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 respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.Its pretty apparent that this person is trying to be a smart ass. How do I reply to this? FYI the following email is what I sent them orginally