Advance fee loans are illegal period. And in some states payday loans are also illegal. If you paid them money, it is gone sorry to say! :(
http://www.consumer.ftc.gov/articles/0078-advance-fee-loans
http://www.fraud.org/scams/direct-marketing/advance-fee-loans
Payday loans
http://www.paydayloaninfo.org/state-information
Report them here:
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
http://www.stopfraud.gov/report.html
If your callers are foreign, then here:
To file complaints on Foreign company's:
eConsumer.gov: Report Your Complaint
E-mail:
[email protected]