I went to a dentist in Vista California who arranged credit with a company called Dental Care Yes. I was told this company would call me to set up the repayment schedule. I asked for the paperwork from the Loan and there was no phone number or anything but the date & amount borrowed. I waited for DCY to call but they didn't When they did it was a nasty collector, telling me that I knew I owed them money and why wasn't I paying. I explained what I had been told, and also that I needed to have the repayments made mid-month, since my mortgage payment took most of the check on the 1st. I was told there was no way. So I paid late for 3 months, and had to deal with harassment calls at 5:30 in the morning 'til about 10:00 at night or later. If I spoke to them at all, they were nasty. I finally scrimped and saved and was able to make a double payment, so I would be paying a month ahead. But they did not apply the double payment and proceeded to continue with the nasty phone calls. When we finally called and said we were recording the call, we were finally able to talk to a supervisor, but he wouldn't listen and was rude. I actually overpaid them with my last payment, and they reported it to the credit agencies as if I still owed them $1.87, or something. Every time somebody ran a credit check they'd show me that and I would have to point out that it showed a "+" in front, not a minus sign - they owed me, I did not owe them. They are the worst loan company I have ever had to deal with. DO NOT USE THIS COMPANY!
