They have been applying all of the extra principal after they add on the intrest. And sometimes they don't subtract the extra principle until I make the next months payment. I made a payment of 10000.00 and the intrest amount doesn't change. There paper work they sent me shows they raised my intrest and began charging me a monthly fee when I requested a statement so I could keep track of what they were doing.When I made my first payment late December of 2010 they began calling me at my house and my work harrassing me I explained That I would pay as soon as I had the money.. But they continued the harrasing calls. I requested that they don't call vea e- mail and they still harrassed me . They told me I wouldn't get the vacation time I had booked. When you try to book a vacation they never have the time avaiable. I need to know how to make them accountable. We upgraded in April of 2009 and have been unable to book a vaction seens then. Even with a years advansted notice. They said we sold our original time back to them, but we have know knowledge of that until we got a break down finally in 2/18/11. Please help me