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My wife and I are behind with payments to First Service Credit Union . We applied for this loan back in Sept . 2011 . The loan was for $ 10400 . After we were approved , the following month we received a bill in the mail and paid it . We never received a bill after that ! She called them repeatedly to only talk to an answering service or mail , and never got a call back or an email returned . After not receiving a bill for at least 4 months , our credit statement from Experian stated that our account with 1stSCU was closed and our balance was zero . The following April I started receiving harassing phone calls demanding payment . I asked to get a bill sent to me , so I could pay them . I am still behind because of their mistakes and have received a court summons to pay off the entire balance .