16 harrasing phone calls a daya collecting 40.00 dollars on a payment protection program and when an accident did occur they did not help us at all so where did our 40.00 dollars go it did not go to any of our balance so should we take them to court for taking our money for a service they guaranteed and did not follow through with i would think they have breached and contract and then have the nerve to harass our home 7 days a week from 8-9 o'clock at night . the scheib family