Loan opened on 08/31/2007 in the amount of $8272.00 under account number 2004005456587. Loan terms are for 24 months, no interest financing 0% APR. Minimum Payments due each monthly billing cycle for the promotional period. If such payments are not made, finance charges will be imposed from the purchase date at the 24.75% APR. After 23 consecutive payments, I send check for the last payment for the total of $281.34 on 08/19/2009. On 09/04/2009 I received new statement for $281.34 + $39 late fee. I contacted billing department immediately... read full review »