"Michael Greene" called me saying he was from FCT Travel, a B+ rated Company. He said I had agreed to visit a timeshare in 2003.  He had my street address and what he said was an old credit card number. I told him I never made any agreement, and he said I was committing fraud. If I didn't pay immediately, he would send it to collections. He said I couldn't check my records or have a bill in the mail because this was a "courtesy call" and he was giving me one chance before sending it to collections. He said his company was offering an extention for me to visit a timeshare in Napa and I would get a $400.00 refund. We argued for what he said was 104 minutes until I finally paid.  When the payment came through, it wasn't the same company, it was First Class Cruise Travel. I checked the co. on the BBB and online and found it to be a fraud.  I called the number he emailed me to schedule a time share visit and it wasn't a company, but a personal number.  She said she's been receiving a lot of calls from people about time shares and she was going to have to change her number.  I emailed him asking him to leave the money considering my findings. Then "Thomas", with the same voice and same yelling and threats called saying he was from First Class Travel's Fraud department. I hung up on him.