G.E. Money Bank has screwed us upways and down with the way they do business. My Wife and I got into a rough time and wanted to enter a hardship program until we got back on our feet. When GEMB contacted us the first time, it was an agent from the Philipines that you could not understand due to the thick accent and lack of English knowledge. How can you use them to settle or arrange other payment agreements with such an obvious language barrier between us? SHIFTY! Finally we were told that we could enroll in the hardship program but we had to skip a payment, so we were told. After the first month went by and GEMB (Philipines) called us back, we were told that we were still not eligable to enter the hardship! Now we were behind 2 payments at this point, thanks for the MISINFORMATION GEMB! After the next month we received a call from a company called Encore. The first two times we were contacted by Encore, the people were bullying and nasty to us saying all kinds of mean things with a major attitude. Needlesst to say, we hung up on them. The third time we were contacted by them, we finally received a agent that was kinder and would work with us and explain things. He told us that by making two payments today we would be in this 9 month program with payments of XXX.XX starting on such and such date. Evidently that was all a bunch of bullshit because the next week GEMB called us saying we were delinquent in our payments! Unbelieveable! After I tried to explain to them we had got into the hardship program with Encore they still said we owed them money and were late. The next week Encore called us demanding money in a vile nasty way. BEWARE dealing with GEMB or Encore. GET EVERY AGREEMENT IN WRITING ON THE SPOT. DO NOT GIVE THEM MONEY WITHOUT GETTING THE AGREEMENT IN WRITING FIRST. Anyone getting a class action lawsuit against these jokers please let me know, I'M IN!