I was called this morning on my cell phone and the number that was displayed was (910) 000-00000. I did not pick up but let my voicemail get it. The message was garbeled but I got the phone number of (949) 528- 2417.

My wife called them to try to find out what they wanted and they said that I had a payday loan that was not paid from dec, 4 2007. She said that this was a mistake and they yelled at her.

When I got on the phone I was told that I would be arrested on monday at work and then I would have to pay $5800 +/- (this figure changed several times), but they could not tell me who the creditor was or how much this loan was for.

They also said that my two supposed references would also be arrested. One of the names they gave me was my mother and the other was a family friend. They had their names and they had my social security number, and checking account number.

I got them to give me their address, because their phone number is the same area code as mine. I went there and it is inside a guarded/ gated community and on google earth it shows that it is a residential complex. I could not gain access to the property.

My wife then called them and used a fake name and her cell phone number. She said that she had received a call from them and was put on hold, ten seconds later her false identity amazingly owed them money also.

I called my local police and they called them, but said that they could not determine if it was fraud or not. They did assure me that I could not be arrested and advised me to do what I thought was best.

I did not pay them and asked the m to send me a fraud packet and all the documentation on this loan and they said they were done and that I would be facing legal action. I have put an alert on my credit and have changed my bank account. I also checked my bank statements for any eft's that I could not account for and have not found any.