They are harassers. Our car payment was late by two days and they phoned us 10 times over a less than two-day period. Their representatives are either from India or the Phillipines and are rude and demeaning. I guess that is why their CEO rakes in 10 million a year. Cheap labor to harass their customers from across the ocean. Thank God our car is almost paid off. Avoid like the plague. read full review »