and that puts explain why a banker was team up with someone mike grandin because not only is he getting good paper but he's also offering a service that regulators and law enforcement can't switch is when something goes wrong i will solve this problem for you because call on the police and the state attorney general and the cfp b. isn't going to get it done and i think that erin saw the truth in that. >> host: of desperate people people on the website of trying to collect debts and desperate individuals that are getting these phone calls and are paying because it sounds scary and you have there little regulation their little regulation particularly at the bottom part of this chain. so, what recourse to some of these individuals have or what can they do besides where do they complain and what do they do if they paid him a debt but it's gone too no one clicks it's going to basically some of these people. >> guest: i was sitting one day in buffalo. he gets on the phone and he's trying to collect and collect the pieces you old money on this payday loan. he says i just paid off three months