This company claims to offer vacations availabe to you easily and overcharge with monthly fees plus quarterly fees that are outrageous. The sales personnell are pushy and are only after getting their commission. If you are late on paying they will call you at least 3 times a day. Then, if you ignore them, they sell your bill to a collecting agency that charges you double the balance so that you really never can pay it off. This is the worst company I have ever had to deal with. They do not work with you to help you pay the balance as you ARE able. read full review »