Cash Advance USA A Huge Ripoff!!!!! Internet

I received a phone call first thing this morning from a Mr.Daniel Scott who had a heavy middle eastern accent who said he was a lawyer with some law firm. I beleive the name Williams was in the title he,  rattled off.  He immediately started off the conversation by telling me not to interrupt him.  He then read off 3 legal charges I was being charged with, theft of property, check fraud, and I'm not sure what the other was since the phone kept being interrupted by noise, all stemming from a payday loan I supposedly took out and never paid back. He would not give me any information other than the company name and said that they had tried to debit my account and was unable to get the money I supposedly owed and he also said I had ignored repeated e-mails.  He kept telling me that I was going to be arrested at my work place and that paperwork had been sent to my employer and that they now knew what I had done.  He kept telling me I was going to have to get an attorney and pay as much as $18,000.00 in court to resolve this matter.  He asked if I wanted him to put me on hold while he spoke with the client to see if they would settle for a resolution. I said yes and waited while he supposedly did this. He came back on the line and said the only resolution they would accept was for me to pay $645.59 within 45 mins. using a green dot card otherwise he was going to send some one to my workplace and arrest me. 

Things have not been easy financely for me or my family lately.  In addition to this I've been off work for the last month dealing with medical issues.  Stupidly I have resorted to using payday loans to make ends meet. . I am in the process of paying them all back.  I don't remember getting one from Cash Advance USA or any emails from them.  Sadly though I was terrified and stressed enough from this that I payed the $645.59.  I wish I had looked at this website first and then I wouldn't have done it.

After I paid the money I called Mr. Scott back for a confirmation number, which he gave me.  I told him that I had seen these reports on the internet and believed that I had just been scamed big time and again asked for the date that I supposedly received this loan.  He became very angry and started yelling at me that if I wanted he would refund me the money, but that he would see me in court after I was arrested.  I hung up on him.

Normally I don't fall for things like this, but as I said things have been so difficult lately and I wasn't thinking clearly.  He terrified me with the things he was saying.  I'm embarrassed to even report this, but I hope that this and the other ripoff reports on this company will keep any one else from making the same mistake that I did.