They actually owe me $390. I was helping out a friend with a payment cause she didn't have a bank account at the time and Both me and the operator agreed that my informaiton would be deleted after that one payment. They actually took 3 payments. After each payment my friend consulted with them to erase my info. Since that didn't work, I had to close my account. several months ago I requested a refund or it would turn into legal action. They said it was processing. That was early in 2008. Never again