We were called on the phone and they offered us to make a payment over the phone with them waiving the $15.00 Fee. I then received a letter in the mail stating that they charged me $15.00 anyways. They then refused to refund our money to us and decided that they would remove $15.00 from our next payment After fighting for over 15 minutes on the phone! They like to steal money out of your checking account with out your permission and lie to you anytime they choose! We are only with them NOT BY CHOICE, only because New Century went Bankrupt...