My husband went online in 2001 and borrowed 200 dollars from these guys. Well it never got paid back in time. So I took it upon myself to contact these guys to pay the loan off. Me and a manager worked out a payment schedule to pay the loan off. Well i lived up to my end of the agreement, they didn't. Express Cash have been taking more out of my account than agreed, and they put you thru a lot people on the phone with no end result. They wont send you a contract with the new agreement because you will have leverage which was my mistake. I had to end up closing my account. The bank couldn't do anything because we gave them permission to debit our account from the beginning. BEWARE !!! They will rip you off.