Yes. I have been a member for only 2 months. Unexpected circumstances came up ($4, 000.00), that we had to come up with. Being Self employed, riight now is very unreliable. Anyway, I got an extention on my payment until Nov. 30, 2009. I called that morning, to cancel only to find out that the premium had already been sent to my bank for collection. The MONEY IS NOT IN THERE...I called 6 times on Monday Nov. 30, 2009, to try and get some answers...to NO avail.. I repeatedly asked to speak to a supervisor, but was told THEY were not available... read full review »