I entered a balance transfer agreement with Juniper in 08, for 0 percent interest on the balance transfer, for the length of the loan, providing payments made on time. Two months ago the company informed me the agreement expired, and are now charging me a significantly higher interest rate. They also state that I entered the agreement one year after I did. After daily requests, via phone and fax, they still haven't sent me the original contract language, or the alleged new agreement I allegedly entered with them in 2009. Has anyone else had the same experience? If so, please email me at [email protected]