I borrowed a 10, 000 loan from CitiFinancial in 2004, the pay back is $18, 000. I purchased a car for my daughter and paid off some credit card bills. I pay $300 a month for 60 months. I got a $1, 000 loan in 2007. They refinance the loan. Let's do some simple math!! I paid $300 a month for 3 Years. $300 x12=3600 x 3=10, 800 thats what I have paid so far. I got laid off on April 30th, 2009. So, I couldn't afford to pay $300 a month. So, I called to see if they could lower my payments. They reduced my payments to $145.00 and sent me a... read full review »