Complaint Review: United Cash Loans

I need someone's help to understand how and why United Cash Loans has decided to call me after three years and tell me that I owe $158.00. I don't get calls from collectors anymore so I know that I have never missed there call. So then today, I get a call from them telling me that I owe this money and since 2005 they have been trying to contact me. Well, I have gone through this already and got scammed so I was prepared to talk. I asked why I hadn't recieved a statement, they said they don't do that. I asked why I hadn't recieved a call and they say they can only go six months back and that they have. I told them that until I go through my files and/or I get a statement I won't pay anything. He didn't continue, probably because I was stern, but respectful. He then asked if my email was the same and he said that they only thing he could do was send an email. which he did and this is what it said.

"This letter is to inform you that your account is now with the
UnitedCashLoanFC Department. Account # 307272-0 is currently in a
collection status with a balance of $158.00

It is our goal to get this taken care of as soon as possible,
so that further action is not taken on your account.

Please call (800)-701-7565 immediately.

Thanks for being our customer,


UnitedCashLoanFC Department"

What are my rights and do I have to pay this without recieving a statement. I live in Orlando, Florida...should I contact BBB. Thanks

Chini227
Casselberry, Florida
U.S.A.