I could not agree more with all of this. These people are crazy! I wrote out the correct payment on my check and I accidently left a number off on the line you write out the letters of the amount and they didn't bother to call me or let me know, they just jacked my interest rate up and would not do anything about it. It was an honest mistake and most companies would do everything in there power to help the customers. I called and got a complete payoff and sent it in BEFORE the due date and a month later I got another bill in the mail from these people for a finance charge and the said they could't do anything about that. I can't believe any company would use them to handle financing. That makes Tempurpedic look bad as a company. HC Proccesing is not the route you want to go for anything. They are out for one thing and one thing only, as much of your money as they can get! DO NOT USE THEM! I have never in my life been treated this way by any company I have ever dealt with!