They have gotten me as well! The representatives do not have recollection of what they tell me ~ in other words they don't keep it logged in their computer. I was told that due to hardship that I could have a lower payment. The following month I made that lower payment and that's when the calls began! They tacked on an additional almost $500 for late fees. I called and thought that I could rectify the situation but sadly, I was mistaken. They said that there was no way that I had been told that I could have lower payments because I... read full review »