I paid ontime every month, more than what was required. I submitted a online Echeck for the payoff amount early March 2010. My account was not due to be paid off until July 2010. I had a 23.10% APR!!
I received notification that the Echeck was accepted and approved. About a week later I received a bill from them saying that I still owed 1 Cent! I called and they said not to worry about it that they would have it taken off the account. April 9th they call and say that the check bounced and now the account is overdue and there is a outrageous fee for a bounce check. All of my bank records show that it never HIT!!! I never even received a fee from my bank. NOT TO MENTION I have enough in my checking to cover the check and I have over draft protection from my savings account, the check would have cleared no matter what.
So not only are they tacking on the late fee and bounce fee but this is going on my credit history!!
I honestly think the whole thing is a scam because I am paying my account off early and they are going to lose money because of it.
How do you fight back these snake companies!?!

I was one day late on my payment and the collection phone calls started. I was only one day late!!! Ive always made my payments on time and always paid way over what was required. They called me everyday (during the holidays) for the next four days until I was able to make a payment online. Thats called harassment. They also increased my APR to 97.70% when before it was 0% Ive only had this loan for 5 months. They are criminals and Im going to pay them in full NOW before they rob me of more money.

I thought I was going to pay $90 per month for my crowns. However, after the initial payment of $90, the minimum payment went up to $200. I was not working and had expected to be employed soon. My husband was working, we thought we could afford the $90. But when the payment went up to $200, we tried to get the company to lower the payment, telling them that we can't afford that. They told us to "borrow" the money from someone. They also put 2 different procedures into 2 separate payments. I understood that I would make ONE payment for both procedures. The company NEVER writes down what my husband or I told them, they called EVERYDAY, sometimes twice. My husband would talk to them, and the very next day they were calling again! If your dentist offers you this solution, DON'T DO IT! You will regret it. They have threatened to garnish my husbands wages. We can't afford to buy food and they want to take more money! I am so sorry that I signed up for this.