SAN FRANCISCO - A man's payment came in response to a letter explaining the debt, breaking the causal connection to any unlawful conduct based on an allegedly deficient demand for payment, a Ninth Circuit panel held Nov. 22 in affirming dismissal of California unfair competition law (UCL) claims (Roderick Wright, et al. v. General Motors Acceptance Corp., No. 12-55319, 9th Cir.; 2013 U.S. App. LEXIS 23558).