If anyone starts a class action suit count me in. The day after you dont make your payment the phone rings off the wall. And the the threats start. if you dont call by a certqain time. GOTCHA... I belive the law is 30 days to repo. And then they play games like returning payments for what reason who knows. Then you are 30 days late and bye bye credit fico scores. if you return one of their calls all you get is a recording. What happened to Humans. I guess we are in the JETSON era. All Robots with no heart. read full review »