Here I am.
In order to take in account time zones, I checked my logs for days 28, 29, 30, 31, 1, 2, 3. The only payment received from you is $234.40, on 29 Dec, which was already taken into account.
However, because the loan started on 27 Dec, I checked also my logs from that day, just to be sure: and there I unexpectedly found some good news for you, @pac_gaMer2007.

About 16-17 hours after we signed the contract and I paid you, you made 3 payments within the same hour:

• $258.95
• $5500
• $200

No track of any 7k payment, but still some money. Adding all together, you paid me a total of $9581.35, all within the due time. Therefore no need for late fees, on the contrary: you paid more than what you had to. I will pay you back $2081.35 as soon as I find you online.
But I want to make sure you understand this: someone else in my place would have not bothered to check the logs. It took me time to check those logs, set aside the fact that I was actually able and willing to do that. Hell, someone malicious might even have taken advantage of you! So I want to give you some advice, to avoid this from happening again:

• never pay someone when they're afk: always make sure they're active so they can see and confirm the payment
• always take timestamped screenshots of your payments, that is: double-tap [F2] right after paying
• don't pay in odd amounts (like $234.40): it only makes things frustratingly complicated and you give the impression you're trolling (indeed, this was my first impression)
  
• if you want to pay someone that is afk/offline and there is a payment sign, use such payment sign: don't worry, the money is safe there and staff can check the logs

You're lucky you didn't learn this the hard way, I'll pay you those $2081.35 as soon as I find you online.

Staff: @pac_gaMer2007 owes me no money (on the contrary), please lock.