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foreign speaking lady who said her name was Carol Johnson calling from a government refund department,stating I was going to receive ?2800 refund on a bank loan I took out in 2005. The department had been investigating claims which were turned down by the banks, but this dept, had found there was money owing to customers. I was one of the lucky ones, I was asked how I would like to receive the money, either paid straight into my bank account or by cheque. I opted for cheque. I was told a courier who was a