this guy called this am said he was from cash advance usa, and his name was kevin johns i believe he said, he had a slight foreign accent. asked how much i wanted for a loan up to 5,000.00 I replied O.00 the caller id never stated a company name but just st peters fla. I asked him why the company name did not come up on my caller id if they were legitamate, and he did not answer that one. I know that I never applied to this payday loan company for starters and secondly it is illegal in my state to get a payday loan unless the company is registered and certified by the banking commission in this state. maybe..............i should have taken out the loan and then not repaid it?????