If you are 8 days late on a payment this company will call your work until you answer them. They refuse to except any reason. They always add the payment due for the up coming month to your bill in advance and try to tell you that you owe that amount. Don't get a loan with this company, you will be very sorry. I get 6 to 10 calls a day for being 9 days behind. This company will never get a loan from me again. I would not be with them except they bought out HSBC. read full review »