I came back home after the holiday's only to find that my checking account was in arreage. Two che cks had been cashed that I knew nothing of. The first che ck comming from a Consumer Advance Credit for $69.95 & the other check comming from (I found out) their affiliate, UniGuard Membership. Both of which I had no knowledge of and which, therefore the bank ending up charging me $70.00 for NSF. I have both written & tried calling these people to demand they refund the money back into the account. If you call Consumer Credit, on the... read full review »