I got a loan, so that I could have some dental work done. My first statement came in the mail on my due date. I went online to pay it so it wouldn't be late and they do not provide that service. I called, explained what was going on and the lady said I could pay it over the phone. My next statement came the day before it was due and I noticed I had been charged $25 for paying over the phone. In June 2007 there was a note on my statement saying I would be charged 24.5% interest starting with the July statement. I called, told the lady I wanted to just pay off the loan and yes I know there is a charge to pay by phone. I also asked her twice what the pay off amount would be, because I knew it would be higher than what was on my statement. She put me on hold, supposedly asked a supervisor, came back and said that I only owed what was on the statement. Again, I asked her was she sure, because I did not want to deal with this company any longer. She assured me I would be paid in full. In July I received a bill for almost $300. I wrote a note with the statement and I emailed the same information to UF. Long story short, I am still receiving bills and harassing calls. They are very rude and need to be put out of business. I will be filing complaints with BBB, attorney general, and any one else I can think of including my dentist. I do not owe this money and will not be threatened into paying it.