@Pilot200
You've asked for information and been given information.
Use of the search function will reveal a number of threads about MSD.
One thread will have an e-mail for someone taking legal action against MSD. You can contact this individual - he will tell you the same as you've already been told.
Comprehension skills and critical thinking ability are essential in this industry - yours clearly need work.
TIP:- Any P2F scheme is a scam.