Thanks for identifying these awesome payday loans and your empathy, Peacefulbird. I also did not think that asking for a log would be something out of the ordinary, but apparently they did not see it this way.
Suzie_Homemaker, thanks so much for the suggestion. It actually happened as you mentioned it:-)
They agreed verbally, so we followed up with a text message 'just to confirm, such and such was said', but as expected, they did not confirm that message, or gave any other response. Meaning: they also did not refute that statement, so their lack of response indeed confirms their acceptance. I did not think about this, but it indeed does make sense! Thank you!
Are text messages in cases like this acceptable as "evidence?"