I received a letter from SAR & ASSOCIATES. What is this, so I call them. The rep asked me questions. I answered. She said I owe them $1450 I ask for what she said a $300 payday loan. She I owe $1450 cause I never a payment. BS!! I ask where is this information she stated Sar bought my loan from LTS.. Ha I told .her I wasn't paying s*** cause I don't do payday loans she then said I'd have to send them 3 months of my bank statements from 2012. No ma'am I will not, she said do what you want to do I asked for a supervisor she hung up. I immediately contacted my bank to see whats going on...They will be sending my statements and there wasn't a payday loan from Sept 2008 to Nov 2015. Past pissed off!!