I recently opened a charge account with Talbots. I received my first bill on 12/9/09 and mailed the payment same day. A month later they claim that my check "must have gotten lost in the mail" and have now charged me $31.64 in late fees and finance charges. I called to request the charges be removed but they refused. I pay all bills early and in full. I am completely disgusted with this scam and will be filing a complaint with consumer agencies. BEWARE of using their credit accounts!!