this company called me after i applied for a pay day advance online. The asked me to go to thier site and sign for the loan.. about 2 days later 124.95 was taken from my bank account. when i called the number given it was a 3rd party billing service.. they refused to refund the money then i called them back later and raised kain about it they agreed to refund the 124.95 within 14 days. They claimed i had signed up for a credit referall membership. all i agreed to was the pay day loan. I reccomend never giving out banking info over the phone..though you agree to one thing they may claim you agreed to a lot more. read full review »