Thank you all very much

Please pardon my ignorance but what is FCA?

Hi there, I'm new to this site and I am after a bit of advice please: A few years ago I ventured down the slippery slope of pay day loans, As a rule payments and debts were cleared and my experian was all up to date, I am still paying a qq payday loan back on agreement with no hassle at all, but about 4 weeks ago I took a call from an American from P2P saying I owe them over £500 and they want it immediately, obviously I disputed this and asked for more information as its not on my credit expert and all they said is its from 2013 and they don't have much more information, I have never had any correspondence from them or anything till 4 weeks ago and I'm very confused as I have spoke to credit expert and they say there is no record... Please help