Can you believe that the company representative actually CAME TO MY HOUSE to collect the payment??? I was COUPLE OF DAYS BEHIND, not weeks, not months but COUPLE OF DAYS. They came to my house (thank God I was not home, my mom opened the door). When I called the company they told me that they were trying to get a hold of me for days (I did not receive one phone call) or a letter for that matter.
Yes, it was my fault for being late, but that's ridiculous. I have never seen anything like this in my entire life.
I was able to get a home equity loan shortly after the incident and PAID THE LOAN OFF 6 MONTHS AFTER I OPENED THE ACCOUNT. I will never ever ever deal with this company again!!! Beware!!!