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I sent an email to Advance Me Today stating that PDLs are illegal in New York State, that I have paid a total of $1775 on a $500 loan and would like a refund. They responded that they were an offshore entity so state laws don't apply, only federal, and under the General Agreement on Tariffs and Trades (G.A.T.T.) and do not need state licenses. I have filed complaints with the FTC and the NYS Department of Finance and plan to file with the state attorney general also. How should I respond to their email?
State laws do not apply
Welcome to the forums!!!
You can ask the illegal lenders for the refund, but it depends on their discretion whether or not they will return back your money. In this case you have nothing to do. Yes, you can file a complaint to the State Attorney General Office also.