I got a call from these people that said I had been getting magazines for a year and that I owed another year and they would lower my payment from #39.98/month to $13.32/month. I didn't want to give them my debit card but he said if I didn't confirm the number it would stay at $39.98. Upon hanging up he immediately ran my can and there is a pending payment with the bank and they say they cannot do anything about it until the first payment is made. Can you help? They say they were from Magazine Direct