I took out a payday loan. I made 2 payments on it and this last one didn't go through. I got a call today from Ellis Crosby and they threatened to charge me with writing a bad check and bank fraud. They said they were having the charges drawn up at the end of today, that I would probably spend the weekend in jail. They said I owed $1000.00 (the loan was $300). If I didn't paytoday they were going to have me arrested. I only had $100.00 to send them - so I moneygramed it. I have a receipt. They are supposed to call me on Monday. What do I say to them?