Louise Currie, you must work for Nuvell. Let me tell you what Nuvell is doing to me and my wife. On December 3rd, 2008 we went to the Nuvell website and printed our payoff quote, wrote a check for that amount and sent the check to the address on the website and called to let them know we were sending them a payoff check. A week later they call saying they have not received the payment and we are late on our monthly payment. I tell them again the payoff has been sent. We get a call every few days for the next 3 weeks. Finally I find out that the address on the website is wrong and has been wrong for several months and remains wrong to this day. We are turned over to litigation and get several calls a day. One of the managers calls and tells me I am lying about sending the payoff and that what we need to do is put a stop payment on the "supposed check" and send another one. Mind you we still don't have the correct address. We stop payment on the check and low and behold a few days later (January 16, 2009) we are contacted and told that our payoff check has had a stop payment put on it and why have done this. My wife has the stop payment lifted, but they won't re-run the check. We make a payment by phone, but now they don't know how to apply it and want to charge us late fees, plus I'm sure they have reported us late to our credit bureau. Nuvell is a bunch of idiots and I will never do business with them again and urge others to avoid them as well.