Copy - pasting somebody's work is plain stealing, how can you argue with this? He didn't even care to rewrite any parts.
You also copied 99% of it from the bank or somewhere else!!
He's selling the same stuff you do so it's normal.
You seem to worried with competition. I hope you're right

How can you possibly know if I copied this? For your information, no I haven't copied it from anywhere.
Maybe stealing intelectual property is normal in your world but not in real world.
So by following your logic if I'm a musician I can use anybody's tracks/music and paste it to my own album because the real authors are selling the same music? Seriously?
His competition has nothing to do with this. EOT for my side.
So you invented them? Like you invented that the cards will not get blocked after 2-3 transfers?
I hope this new guy keeps his word and don't become too lazy to go to the bank solve his customers problems like you do.