I, like a lot of others I have read, never had a written or verbal agreement to this company. I simply got payment books. They called me at work, where I stated I was too busy to speak to them and told them to contact me at my home. BIG mistake... I get a letter telling me when I am to start paying them. I never once said I wanted to do this. I wrote back that I didn't have the additional money during the month for this sort of thing. I get a response saying that I already made the beforementioned (non-existant) agreement and... read full review »