Continued calls for a Jasmine while my name is not Jasmine.  Refuse to take my name off call list.

He was also trying to get us to fax him paperwork regarding a 'fraud' issue. He kept trying to get our debit card number- was very pushy and asked us 3 times for it. This man is a scammer!

This man has called me several times left messages saying his name is David Hunter when I talked to him in his name is Austin Phillips(both speaking very poor english sounding like the same man). He is also telling me he is going to have me arrested for fraud because I receieved a loan from cash advance world (I have never heard of this company) he had told me he could take care of it if I faxed him a letter telling them I never intended to commit fraud and put my credit card number on it to repay the loan which was $534 the 1st time I talked to him. I asked him the fax number out of curiosity I ran it through a reverse lookup and found that number was out of Seattle WA. So I called him back questioned him and once again asked the amount this time it was $300. I told him he was a fraud and I was reporting him he told me to never call that number again and hung up on me. He told me that the first time I questioned him but he still left another message on my cell phone today telling me I was going to be arrested and I better get myself a really good attorney. I am curious to see if I get another call tomorrow. I think it is funny he tells me to not call that number again but he obviously has been harassing alot of people.

How do we fix this? He is doing this to us as well!! What do we do??!!

ha called them bastards all day and left them 30 voicemails lol.see how they like it.

Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!    Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!          Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!       Scam !!!!!!!!!!!!!!!!!!!!!

tHE MAN SAID I HAVE A PAYDAY LOAN DEPOSITED TO MY ACCOUNT AND I NEED TO FIND A ATTNORNEY.i NEVER RECD ANY MONEY.

he says his name is" Eric Smith " hahha-------NOT even a chance!

This dumb a** guy keeps calling me saying Kennis Joder owes money. I am not that person. He constantly threatens me. Today he called 30 times in a row. Its driving me crazy. I hate how he speaks such poor English, is impersonating an officer, calls at 8 in the morning, won't tell me the name of his company, the social he is using, and what case he "has against me." If you google any of the numbers he uses they all say the same thing. Plus I tried to file a police report against this harasser and they say we can't do anything about it since his calls are from New Jersey. Stupid scam artist.

This person is very crazy calls me all the time cant talk well sayn im going to jail there comeing to get me

I just a call at work from a guy with a foreign accent named Officer Williams from United Legal asking me to settle a case with Cash Advance whom I have paid off in full because I made it clear with Cash Advance not to renew my loan and to unsubscribe me from their list which they did, so I know that this is a scam by the same people who called me before with American names and foreign accents.

Just got the same call, said I had a loan with Cash Advance and did not pay it back. His name is Sam with the legal department in Brooklyn New York. Number on phone I.D. is 347-875-8111. Gave me a number to call back it is 347-875-8418, said to have my attorney call him. Ya righT !!! Could hardly speak English, when I told him I would call Cash Advance, he said they would not talk to me and that the sheriff would be out to arrest me if my attorney did not call back. Alrighty then I am waiting.
Just a scam as I called Cash Advance and they never heard of me so another scam to gert our money.
Jerks!!!!

Got a call from these people. They said i had a case against me for a loan for which i didn"t apply for .  i was told the funds were deposited in my account. They did not tell me when it was deposited or how much was deposited. When asked when this event took place the person wanted to get off the phone in a hurry. The place is suppose to be in new york. I asked the name of the company i did not get a response on that.

Recived call with threats of legal action and arrest - dont even know who they are and when returning the call it is always busy.  The also dont speak proper english - -

I am reporting to BBB and police, dont feel that if they are unable to speak english and state thier company name it must be a scam of some sort.

They called me today on my cell but left voice mail message, then called my job and was saying they are with some legal department for unsecured loans, and they have my social but I have put an alert with all the credit breaus also they have threatened to come and arrest me, but I have already reported the number to my local cyber crimes unit and hopefully they will get these a** holes that are harrassing me and sounds like alot of other people......

They are idiots

doesn't speak English very well, had to repeat myself 3 times, threatening police, court, jail - has not provided details - calls my cell phone and work number requested email information has has refused to do do - is this bogas

missed the call

I spoke with someone named Austin, who did not speak English well. I asked him several time to slow down. He told me he was a financial loan officer, that he was filing an affadavit for fraud against my social. Said he represented Advance Cash, but could not identifiy his company. Said I had received funds and when his clients tried to retrieve payment, the bank account had been closed. (It is not) Also, threatened with court, police, etc. I asked to speak to a supervisor, and he said he was the only person on his case, even though just minutes before he told me he may be able to resolve the matter today if he can get permission from his supervisor. As I began to question him, he told me I was wasting his time, that he had properly informed me of the facts, and I would need to contact an attorney or suffer the consequences. I suspect a scam but cannot confirm. I will, however, be contacting the BBB, the local police, and the company "Cash Advance" if it exists.

Just received a call at my place of work Austin Phillips would not give the business name threatening to have me arrested at my job THIS IS A SCAM    BEWARE

thank you.  this reallyhelped.  everything you said has happened to me.  i just don't understand why these people ahven't been shut down.  i am so grateful for this information!

These people called my 4-6 times today, a man saying his name was investigator jeff parker, with legal investigations, tried to tell me that i was going to be arrested for deposit account fraud.  I called his bluff and asked him if he knew that he was talking to a police officer, and he said that he didnt care.  I then proceeded to cuss him out and call him every name in the book, and that if he called me again, my next call was going to be the fbi.  I told him that I knew who he was and was going to take care of it.  He stopped calling, for now.

ha called them b*****ds all day and left them 30 voicemails lol.see how they like it.

This dumb a** guy keeps calling me saying Kennis J**** owes money. I am not that person. He constantly threatens me. Today he called 30 times in a row. Its driving me crazy. I hate how he speaks such poor English, is impersonating an officer, calls at 8 in the morning, won't tell me the name of his company, the social he is using, and what case he "has against me." If you google any of the numbers he uses they all say the same thing. Plus I tried to file a police report against this harasser and they say we can't do anything about it since his calls are from New Jersey. Stupid scam artist.

thanks for all the info

Thank you Saint for this information. I'm glad I googled the #. I reported them to my law enforcement here in Miami.

Thanks the Saint for all your information on these scammers, they called me today on my cell and at my place of employment, but I just told them to stop calling my job and that I have already reported them to my local cyber crime so I hope they just stop calling me!

For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan.  The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:

United Legal Processing Division
Midline Marketing
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General?s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)

You will be threatened with arrest, a costly trial and possibly worse.  In no shape, way or form can you be arrested for non-payment on a consumer debt.  Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.  

Who are they?

In the past when pressed by law enforcement for an address, the callers have provided the following information:

David Morgan and Associates
Morgan & Associates
Morgan Associates
954-727-8481
1155 Northwest 85th Street
Wintergarden, Florida  33150
(Address is likely invalid)

The collector's MO matches a once legit collections agency called Ellis Crosby & Associates.  Here are some links on them:

http://www.budhibbs.com/collectorpages/ellis_crosby_and_associates.htm
http://www.budhibbs.com/collectorpages/EllisCrosbyJudgment.pdf

They have been previously fined over $1.3 million for various violations.  They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.  

The last time this group went by any "official" name was back in 2008:

Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone:  800-928-3536 / (904) 928-3536
(Address is likely invalid)

There are NUMEROUS consumer alerts out against this group of individuals:

Florida:
http://jacksonville.com/tu-online/stories/061107/met_176207561.shtml

Kansas:  
http://www.consumeraffairs.com/news04/2010/01/ks_debt_collection.html

Colorado:  
http://www.coloradoattorneygeneral.gov/press/ ... lls_likely_orig

Rhode Island:  
http://www.collectionscreditrisk.com/news/rho ... -3002135-1.html

West Virginia:
http://www.wvago.gov/internetloanscam.cfm

Missouri:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.  

"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit.  The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.

Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives.  Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."

Bottom line:

Do not supply the callers with any additional information.  Inform them you have reported them to law enforcement and hang up.  If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond.  Look up the local Secret Service branch's information in your area and get in contact with an agent there.  

If you ever applied for a cash advance online, your information is out there.  
Possible sources for the breach of your privacy are:

* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you.  The service is able to tell cash advance lenders if you have existing loans with other companies, for example.  Many state laws prohibit borrowers from having more than two cash advances out at the same time.

* The scammers created their own fake payday loan application site.  People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.  

* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.  


How to protect yourself:

* Inform your employer.  You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously.  Advise the callers that they are no longer allowed to call you at work.  If they continue to call, document the date and time of the calls you received.  Save voice mails left if at all possible.  

* Change your number(s).  For some this may not be an option, for others a one-time number change can be done free of charge.

Be advised - any references you listed on your payday loan application will be contacted.  Let those people know that this is a scam, and they can disregard.

* Use Google Voice.  Google Voice is a great replacement voice mail system for just about any phone number you use.  Messages can be transcribed and voice mail recordings can be saved as mp3 files.  

Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers.  Make sure when you call you identify yourself so they can start up their script.  At any point after they have your information pulled up just hang up.  They will then start religiously calling your Google Voice number.  At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again.  (And laugh at the fact these people are basically talking to a brick wall several times a day)

The scammers change their numbers frequently.  Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online.  With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement.  Below is just a sampling of the 30+ numbers that have been used in recent memory.

1-201-244-7722
1-209-349-7382
1-209-797-2212
1-212-500-0839
1-213-256-0408
1-213-995-3039
1-281-763-0433
1-347-289-3902
1-347-844-6817
1-347-844-6831
1-424-354-4270
1-516-232-8905
1-516-232-8935
1-518-212-0219
1-561-300-8018
1-561-210-4185
1-626-200-4646
1-631-456-4041
1-646-274-1143
1-646-810-8635
1-650-241-4604
1-707-401-4056
1-707-633-2789
1-708-401-0535
1-716-442-2824
1-717-862-4080
1-718-705-8669
1-760-514-0132
1-760-563-5384
1-772-318-4938
1-850-201-1111
1-858-777-1977
1-859-908-2281
1-866-860-4509
1-877-226-7488
1-888-706-7463
1-888-771-9249
1-888-785-4479
1-909-327-4870

So can they really do anything to you?

It's not a simple yes or no answer.  Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.  

So, why haven't they?  

Authorization.  

Why do you think you are being called so much?  Perhaps it is because they like the sound of your voice?  No, they have to have your authorization to take any form of payment from you, period.  The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past.  Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.

Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough.  A real attorney would take the callers to task and write them off as two-bit con artists.  The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe.  Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt.  See what they say.  A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that.  That authorization is the only thing these callers are doing by the book, and for good reason.  If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution.  In about 7-10 business days, you would get the funds returned to your account.  Then the scammers would be up against a bank and their team of lawyers and investigators.  

Bottom line:

If you haven't paid the callers a dime, don't.  If you planned on paying them to shut them up, just don't.  Remember - you are not being contacted by a legally licensed, ethically owned and operated collector.  Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.

http://800notes.com/Phone.aspx/1-646-274-1143/3

I also receive a call from this scammer. with a accent.  do  he really think that he can scare me into paying he.  He is stupit.  First he cannot not arreast you for a debt.  I called him and left amessage that I reported him to the FBI.  Lets see what happens.

Scammers!  They called four days ago and tried to pull the same fast one on me again.  The last time it happened, it was from a Florida number.  Officer Eric said he was a cop working the the Department of Fraud or something like that.  Prior to starting to call me, he called my previous out of state coworkers saying there was a warrant for my arrest.  I checked all the police depts and they had nothing on me.   Then they started calling my number to say I was about to meet a terrible fate if I did not pay up.  They called so often that I called back and that was when they told me all my information, address, SSN, etc.  Then they said a sheriff would come and arrest me if I did not pay back a loan which I kNEW I had not taken out but they were so convincing that I was about to go and send the money via western union when I stopped to google the phone number.  That was about two months ago.  

Thy go around using different numbers but the idiots do not understand that it is very unlikely that a person by the name of Eric or Craig could have such a thick indian accent.  They scare you into believing you are really going to jail.  Not once could they produce any paper work or give an address.  They are fast talkers.  Just be very very careful.