We took a loan out for $5, 000 with Benificial a couple years ago when going trough hard times. After around 2 years of paying almost $200 a month, the balance is higher than when we started. We were not informed properly of the finance charge each month that was almost the same as our payment. So, of course, each month when I pay them I might as well be burning a couple hundred dollars. Who can afford that? Recently, I have not paid (3 months) because my husband took a job that pays less, and we can't afford it. I have tried to contact... read full review »