I'm recently turned 18, 4/6/1987 and applied for a loan as a way to establish credit and have some spending cash for the prom. My account was closed as a results of a averdraft by the loan company without my knowledge. I was contacted today, july 8th by an very irrate, associate John Ford from Ellis Crosby and associates. They said they were lawyers from the loan company and that I had an hour to give them $747.14 or they would begin to tke papers out with me. My orignal loan was for 300.00. My question is, is this considered fraud, and how come they won't accept a payment from me.