I received a letter from SAR and associates stating that I received a payday loan from a company called loan shop online LTS management the letter was dated November 17th 2015 they stated that the date of the debt was 7/10-2012. I have never heard of this company I have never received a payday loan they stated that the loan amount was $958 they have my last 4 social on the letter they said that this was the last attempt to resolve this matter prior to this letter I have never heard of these companies I have never received a phone call or letter I attempted to call the phone number on the letter and only get a busy signal I looked up the phone number on whitepages caller ID and it comes up with no information all legitimate businesses names show up on whitepages caller ID app I don't know why these people have chosen me to try to scam because they have chosen the wrong one if I'm ever able to contact anyone on that phone number if I can ever get through they are going to receive it coming out like they've never had I'm sure sad part about it is I did not have a bank account in any of the year 2012 so how would I receive a payday loan also I have just received a settlement and had no need for that petty cash write during that time it is a travesty that this company can continuously send letters to people trying to intimidate them into giving them money and information but they will receive nothing from me I do not owe them I have never received a pet alone in my life