Versa Finaces a 3 yr. contract for DIRECT BUY club. What they dont tell you is that: The contract is "amoritized" What happens is they include a very high 17%+ finace charge mutiplied for the term of the contract and then, Include that amount into every payment. So even if the member wants to pay the contract of in full the first month, they still incurr the finace charges. After paying 187.00 per month for 3 months a total of: 561.00 only 213.00 went torwards the principal amount. MAJOR SCAM these to companys have running. They offer no way out of the contract. IT'S A ONE-TIME SIGN your life away deal. !!BEWARE!! read full review »