I ordered The Wave exercise equipment on May 29, 2009, over the Internet. I was careful not to join any of the additional clubs they offered on the site. I received it in a timely fashion, and I didn't have any complains with the equipment. The videos could be more informative, but that is not my complaint or warning. The problem came when they charged my account for the second payment. I am a school teacher, so I took the 3 payments of $29.95 option. However, when they billed me for my second payment, they took it out six days early which overdrew my account. Therefore, my account was charged an additional fee of $35 for the overdraft. They were not suppose to charge my account until July 1, and I put money in my account on June 27. I checked my account that evening (June 27) to find the charges. To make matters worse I found two more charges of $16.95 a piece. One charge was from Homeplay and the other one was from Essntls for Home; these two charges cost me an additional $35 a piece for the overdaft. I called the 800 number that was after both of them - they were the same number. It was a recording and stated, "Please remain on the line for an additional $4.95 charge, or hang up and call 10-1-515-8000. The new number is an international phone number which I didn't want to call because you hear horror stories about people being charged thousands of dollars for calling to correct a mixtake someone made. My bank will also charge an additional $1.95 with each charge for using my card outside of the US, and I was sitting at my computer in my PJ's! After I called my bank, I called The Firm to inform them that my card wasn't valid, and that they would have to bill me for my final payment. I also wanted to let them know that they caused my account to go in the red for charging my account six days early. I felt they also needed to know that someone attached a bill to their bill when The Firm processed my card. The lady on the other end was forign, but I could understand the condesending attitude she took and the raised voice. In her words, "They are a third party vendor, and I agreed to join their membership!" When I told her that I didn't, she quickly cut me off, put me on hold, and came back on with another number I could call if I didn't agree with what she said. She said it so fast that I had to ask her to repeat it. I know she gave me a different number because the first time the last number was four, but the second time she said it, she said zero (1-866-723-0540). I tried the number, but they were close. I could and did leave a message. If they don't call tomorrow, I will call them back tomorrow toward closing time. BEWARE OF ORDERING ANYTHING FROM THE FIRM DIRECT COMPANY!!!