Thomas David and Associates review: Payday Loan Collection Scam 1

Got a call from this number a few days ago, POSSIBLE SCAM! man said he was with Thomas David and Associates, and told me unless I paid him by the next day somewhere around 300 dollars he would file a judgement against me. He says it was for a payday loan from 2 years ago that I never paid, which isn't possible because payday loans are all deducted directly from your checking acct. He said I needed to fax him all of my checking account statements from july, august, and september of 2008 to prove that this wasn't mine, which it isn't because I would have been aware of a loan that I would have taken out obviously! So I spent time req my statements from my bank, they said it would be 7-10 days to get them to me, so I called this guy back and he said well then send him the docs in 10 to 15 days when I get them to prove the loan was never made. It really sounds like a scam to me, very shady, I still don't have any names from the guy I spoke to, when I call I always go straight to the same guy, it took 10 mins of argiung for him to give me their mailing address finally, which doesn't show up in any address searches, its listed at a business park type place with 'virtual offices', their number doesn't ever show up either as connected to any searchable business. He hasn't been able to give me any specifics regarding the debt other than a rough estimate of how much I should pay, said it was from a payday loan co that I can't find online either, also odd, couldn't tell me the exact day that the alleged loan was made, said that the payday loan co sent many letters of collection but I have never received anything of the sort at all! It just doesn't make any sense to me! He also said on day one of this ordeal he would mail me a copy of the alleged debt so I had a record of what it was and whom from, on day two when I had to argue to get their mailing address with the guy he said he was not sending anything to me and never said he would (which is illegal, a debtor is required to validate when asked!) and to not make things harder for myself then they can be and to watch myself, he was very threatning and did threaten to sue me over the phone and did have my social sec #, one of my past addresses, and some names of reference and new my bank was with bank of america, but couldn't tell me really anything about this alleged debt. I did have to take out a few payday loans back then but they were all paid so I wonder if someones info got compromised and he is trying to extort money from people. So for now I am waiting for my bank statements and will be mailing them a cert mail letter req verification of this alleged debt, he said he wasn't bound by fair debt collections law cause that's not what they do there and that it would be in my best interest to not talk to a lawyer, can you believe this guy! ... After some net searching I've discovered Payday Loan Collection Scams are the new big thing, if youve ever had a payday loan lookout! Scammers are everywhere now with your stolen info! Some of these scammers according to many state atty generals even work for payday loan co's to get ahold of the info!