CIL Litigation Stephan Johnson "Fraud or not?" Charlotte, North Carolina

I received a phone call from a Stephan Johnson. He was a foreign man and he was anxious to tell me about this important message regarding a loan I had taken out. I was in shock because I didn't know what he was talking about. He said I had to handle this matter immediately before they turned it over to the court and that I would be charged for fraud and bad check writing and all these other wild things. I was confused because I can remember applying for a loan a year ago but never getting anything. I even tried to go online to see if I could remember what company it was but had no luck. It suddenly hit me that I didn't even have a bank account anymore so how could I have gotten the money. He had me going at first. I had to send a letter to CIL (payment department) via fax with a payment plan and all. He scared me so bad that I was willing to do anything for it to be over and he was not trying to hear anything I had to say unless it was about sending money. I made an agreement to send $100.00 every two weeks plus their $5.00 charge. I even got a greendot money card and loaded my entire check on there and called in to give them the info. The man said a statement and I had to repeat it and I get a call a few days after that saying they didn't receive it and they were demanding more money. Like a dummy I sent $105.00 more dollars the next payday.

A couple days later I get the same call. I started wondering if this was legitimate or not and I even questioned them. After that, I stopped getting calls from them and I moved from the location I was while talking with them. I just received something in the mail from an application I applied to that says I have a criminal record and the first thing I can think of is them because my record is supposed to be clean. I can't wait until Monday so I can go to the courthouse to find out. What really got me is they wouldn't accept money orders or anything and they couldn't even give me an address. I need some answers because these people have ALL of my information.