I borrwed $1, 000 for dental work, which was to be interest free if paid within 12 months. I paid more than was due on the first payment and never received another bill...because I didn't send another payment they are now charging me a finance charge of 28.99%. When I talked to them and told them I hadn't received a bill or anything from them in weeks, they said they were sending them on line. I have never agreed to electronic billing. I have sent them over $300 and my balance now due is $979.91. This is ridiculous. They were very nasty and didn't care what I had to say. Somebody needs to stop this!