This number called looking for someone and acting all important like a lawyer who said they had me down as a "credit reference" and proceeded to tell me there was a "legal case" concerning check fraud and my failure to cooperate could make me liable also.

The translation is: We bought an old, old uncollectible payday loan, you were used as a reference and we haven't got anywhere with the person who took out the loan so we'll try intimidating you, instead.

The response they got: FOAD.