I wish I had read about these crooks before I got my "interest free loan" that mysteriously went to 543% rate. I have the best credit rating, and am the most responsible guy you can meet. I made each and every payment on time. Calling them to get it straightened out, I was met with extreme rudeness and hostility from "michael" if thats his real name. He refused to listen to me, and he refused to let me speak with anyone else, saying "you are just going to be told the same thing by another person here". These people are scammin crooks, straight up thieves.