on feb 5, 2010 i went to bank to take money out of my checkin for gas and found that SMC took out a full payment amount and a web site amount with out my approval.i told the lady that did my account that i could not afford the full amount last month that if and when i get tax return i would see if enough to pay but till then i could not do it and when i receive tax refund i would call and let them now, so now my checks are bouncin and i had to borrow money to pay other things, i better have my money all except the monthly payment of 45.00 back in my account by 12 noon on the feb 6 and i will be doing something about the bounced checks and money borrowed., also i will not be with this company after this