My name is Barry and I also had a Payday loan that I did not pay from 2007. I got calls from a NCW National Credit Works at my job and they left messages at my In Laws. I had read blogs from this site and others and did not respond to the calls. I should have responded, because now I must appear to answer to checks that bounced to the payday loan company and an attorney froze my bank account. I'm sure that there are some collection scams out there, but I actually had a loan that I did not pay and I should have done something to pay it off. I thought that I could not get into trouble for something so long ago, but I guess it is because I used my banking info to get the loan. I am pissed and All of my bills are bouncing...I just wanted everyone to know, that if you had a loan, it is Not a Scam and don't let all these other blogs about not paying the money back get you into the situation that I'm in!!!