In my opinion, these people are bordering on predatory lending practices. After a couple of statements (via email) they disappeared. Of course I then forgot about the balance due and let it lapse. Not my style or usual method of operations. They then sent a lame email saying that they had mistakenly not sent me a recent statement and that if I paid the amount shown that they would forgive some of my charges. Tried to figure this out and by the time I did, they had slapped another nasty charge on me. When I protested they smugly stated that this was legal and basically, tough luck kid. Really pissed me off. I paid the creaps off and have no intention of ever doing business with them again. Hopefully, I will be able to clue in others about their sleazy ways.