After purchasing a Direct Buy membership and financing it through Beta Finance, I had the misfortune of losing my job. I informed Beta Finance of the job loss and that I was temporarily unable to make the payments. They set me up on a reduced $75/month plan until I could find employment. One month after the "agreement", I was sent a bill with a past due amount of $425.40 and demanding a payment of $567.20 due in less than 10 days. DON'T EVER DO BUSINESS WITH THESE THUGS. Buy what you can afford or make alternative financing arrangements. read full review »