I am so disappointed and I am a repeat customer. Bottom line they changed my payments for some unknown reason to bi-weekly instead of semi-monthly (as it had been for the past four years). When I finally realized what happened, of course it was too late. Nothing they can do but raise my payments to accommodate a mistake that I didn't catch when I signed the docs. I got screwed and no I won't be recommending that anyone visit these slicksters. What a bunch of scammers, in the end my payments went up, not down.