Weve had our first with First Family, They sold out to CitiFinancial in 2001. Our was for 38, 000.00, After CitiFinancial has taken over here we are in 2016 and they say we still owe 28, 000.00. Say that our is simple intrest and has a daily combine interst rate, with Frist Family it was flat fix rate, now they say that the payments has been paid every 30 days, so on the 31 st day everything goes to interst and nothing to the amount plus has extra interst added to it. What can we do about this.