Solution:This is a normal response from such a lender. It is not surprising. Don't worry. Stick to your point. Send them another letter with a RRR and ask them to give you a refund. Keep all these documents for future reference if required.
Regarding “Please keep in mind that your online signature is fully enforceable in accordance with the terms outlined in your installment loan agreement.” - Nothing is enforceable because they are illegal lenders.
It is the intention of Bridge lending Solutions to resolve this financial matter prior to it being sent to a 3rd party collection agency.
This was possible if they were a licensed lender in your state. Send them a letter stating that you'll take the matter to the State Attorney General if they threaten you like this. You only owe the principal amount. That's it. If they again contact you for the money, then make a complaint against them to your State's Attorney general.