Majors owes Johnson $ 1,000. Johnson transfers to another city because of her job. Majors is unable to pay Johnson before she ( Johnson) leaves so Johnson gives Anderson a note stating, “ I hereby give you the right to collect and retain $ 1,000 owed to me by Majors. (signed) Johnson.” Anderson presents the note to Majors and requests payment of the $ 1,000. Majors refuses to pay on the ground that this note cannot be used as a notice of assignment, claiming that it is too informal. Majors insists on a letter that is sworn to before a notary public. Can Majors refuse to pay because the note is too informal?