I just received a call from this company about a payday loan that they say I defaulted on back in 2004. I do not have any outstanding payday loans nor do I owe a balance on them. This person spoke English which was unexpected since the last time the scammers tried this it was Indian accents. She said she had some important paperwork with my information in her office. I asked why I had not received a notice in the mail, she really could not answer that question. THIS IS A SCAM folks...