I have been involved with all the above, only I gave up my money because of the nature of the call and the threats of the call. The telephone number was [protected]. They demanded that I do a letter and give them my debit card information because I owe for a payday loan. I have taken out a payday loan, however, it is paid in full and I knew that I didn't owe anyone. They got $400.00 dollars from me. This person name was Joshua Watson. About two weeks after that they called again demanding $800.00. They figured that I gave up this money before so they think they can get more from me. This time I asked a bunch of questions that they couldn't answer. His name was Richard Hamilton. They are calling right now as I speak. I went and reported this to the police and they told me I should have never given up my money and that it was a scam. I was able to get the name from Richard Hamilton and he said they were called American Credit Services. I got home and looked on the internet and wow I couldn't believe all the messages I saw who has been throught the same thing. I was able to receive $200.00 back from a toll free number that was listed on my statement. When I called they mentioned that they were only the debit card processing center. He was an american. I said that I was involved in a scam and that I reported this incident to the authorities. He got really scarred and concerned. He said quote "ma'am hold on I'm giving you your money back because I dont want to be involved with this" what was that all about? I said yes I want my money back. He refunded my money within 2-3 days. I ended up closing the account, ect. The bad thing about it is, my sister paid with her debit card and they have her ID information ect. But she said let them jokers call me, I will tell them were to go. She closed her account as I mentioned earlier. I wish I have the gutts she had when they took my money because I ended up paying her. Check your bank statement for the number to call to get your money back because apparently they are using different processing centers to process the payments.
