Charges late fees even when I sent registered mail. I have to send numerous letters and even after they write back to credit my account with late fees and finance charges will not stop calling. They call at all hours of the day/night and any day of the week. I have repeatedly told them to stop calling as my mother is terminal and doesn't need the harassment. Will not let me speak for her even though we have written asking them to do so since she is sick and I have power of attorney. They use auto dial and then we have to wait... read full review »