They have been applying all of the extra principal after they add on the intrest. And sometimes they don't subtract the extra principle until I make the next months payment. I made a payment of 10000.00 and the intrest amount doesn't change. There paper work they sent me shows they raised my intrest and began charging me a monthly fee when I requested a statement so I could keep track of what they were doing.When I made my first payment late December of 2010 they began calling me at my house and my work harrassing me I explained That... read full review »