We ended up with Aurora when our original loan was sold to Aurora. Things went fine until last year when we received notice that our payments were 3 months behind. Surprise to me when I had been making them through Aurora's phone payment system. I switched over to paying it through my bank to have a better record. I researched all of the payments made to Aurora through their system and my bank's and found that none were missing and all had been received by Aurora. It has taken 9 months of arguments to get them to accept that even one of their own payments through the phone pay was misapplied and they haven't taken any of the late fees off of what they say we owe. If anyone is planning on starting a class action, count me in. You can call me at 912-429-3581. Ask for Mik.