I ask because I received a call from a collection agency threatening to have me arrested if I didn't pay $900 to them to resolve the issue. I requested the name of the complaint company and they gave it to me over the phone but stated they would not send anything in writing until the first payment. I called the complaint company and they stated they didn't have any record of me taking out a loan but the records the person could access only went back three years.
I had a period where I did take out a lot of payday loans but as far as I can remember, I have paid everyone of them back. I didn't keep good records at the time. If I owe the money then I want to pay it but I want to make sure that I owe it first.