They called me to tell me that their ACH was not working and I was late with my payment and wanted me to pay with a debit card...I refused and said I would send a Money order...they hesitated at giving an address. Finally I was given one and basically told it was my problem if I didn't want to do by debit card. Said I signed a contract and I would be turned into collections if I didn't pay up. I said that they were supposed to ACH my acct and the money was there. They were very rude with me. I ended up mailing it anyway. Now I want to know if they are legal? I have paid $296.00 on a $300.00 loan and owe $375.00. They changed their PO Box from what was on loan doc but phone # was the same. Thank you.