Office of Peter Reed? Westbury Ventures?

You really should call them, get their address, find out what PDL they represent, when they say they put the money in your account, and PROVE to them that you paid that back. Also, mail them a certified letter to cease communication. That SHOULD stop the calls. If it doesn't, you can always lawyer-up.

Westbury Ventures is a company that owns several payday loan compnies. Because they are operating separately from the loan company they are under the rules of the fdcpa. You must send the a letter requiring them to validate this debt. They need to provide you with the loaners name and address, the amount of the original loan, how they arrived at the amount they say you owe, what you have paid so far and when. Also the cease and desist as mentioned. They are a really obnoxious bunch but somehow have survived. A good copy of that letter is on the homepage of cajunbulldog on this site. Or youc search it by typing "validation letter" in the search box above. You are right all they can do is harrass you. Once they get your letter they are pretty much neutered.