Wrote ltr on 10/25/2010 protesting balance and late fees.Proceeded to tell me I owed $200 from 2008..well at $40 @ 12 months =$480?? Received ltr that if I pd $440.92 by the 3rd of Dec.acct would be clear/zero and this would be within the promotional period, I look my acct on line and my balance is now $413.45 as of 12/16/2010? I have pd this acct off and I am not paying them another dime. These people should be put out of business. They have no acctg system.they just do whatever the hell they want to do..I do not have the time, money or energy to deal withthis foolishness. read full review »