"Dear Mr Gerdes:
We are in receipt of the purported Notice and Demand for Lawful Money. Please be advised that this document has no legal relevance and, therefore, no action has been taken or is required by the bank. We are therefore returning this document to you and consider the matter closed.
Sincerely, Anthony Petrella"

Buddy, how are you at Poker? Sorry not be be offensive, I should not address you as a buddy, however my point is they repudiated your Notice [might they be bluffin??] How does one return such an offering? How bout a refusal? This is a game to them, you served, they returned, are you goin to let the ball drop on your side, or do you volley it back?

Look up the definition of Repudiate, oh heck here is one for you to start with, out of an old book....

6. Repudiate. ? The term repudiate " is
never applied to a refusal to perform a void
contract, but to the denial of the binding force
of a valid obligation." Wapello County 7/.
Burlington, etc., R. Co., 44 Iowa 610, per
Beck, J., dissenting