One year ago I took the credit from Western Funding Inc. I have made all payments on time, but two months ago I missed two payments because of the health problems. After that I started to pay as usual and even paid more in order to cover these missed payments. The company started to send me letters and emails, where they asked me to call them or if I stopped to pay them, they would increase my interest rate. I called them and explained my situation. But they continued to call me.