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An Indian sounding guy called and threatened legal action. He said I owed on a "payday loan". When I told him I've never had a payday loan he said that I was still responsible for it. When I asked him where this loan originated, he said Zellwood. That's the little town I live in and there are no check cashing type stores, so I told him I thought he was trying to run some kind of scam, he started cussing me out and then called me back over and over.