This finance company has a never ending loan(original loan amount of $1, 700.00)! I did not receive statement from Equitable for 2 months, finally found a number for them, (they did not have a website yet and were not listed in phone directory) called spoke to an employee who told me he personally had gone into my account info to fix something and by mistake it kicked me out of there mailing cycle is why I had not received statements, so finally got one! I paid the 2 months that I had not received the statements and the current payment due, it said to pay late payments, but I refused to pay late payments, (which were for $3.33 for each month late) here is the kicker, they charge me a finance charge of $29.00 on each of the late payments every single month and continually add that each month I refuse to pay those 2 late payments, my total balance increases each month instead of declining, even though I am making my faithful payments of $66.50 per month for my cookware! Please watch out for these companies and do not let them snare you into the trap of a life time loan payment for a mere set of cookware for $1, 700!!!