I had a loan online a few months ago, for only 3000. I accidentally deleted the confirmation text and email, so i lost the code. I was not able to pay for it. I tried calling the numbers that they used to remind me of my loan but no one answers.. Now, i received a text informing me that someone will be conducting an ocular inspection sa lugar namin. when i called the number, sabi nya he ia from NCRPO and they already coordinated with the police in my area as a complaint for estafa has been filed. they gave me a number to a certain atty that s handling my case daw and was told a case was filed in Makati Trial Court and a warrant has been issued. is that possible when i did not even get a summon? should I not get a letter through mail regarding the complaint first? they said its estafa, is it? and they are demanding for 20k, and said it includes the late payment and other charges. isnt it too much, my loan was just 3k. they demanded me to pay at least 7k thru dragon pay or cebuana, and i can pay the rest in 2 months. is thia legit? is this something i need to be worried about? what can possibly happen worst case scenario?