I am so glad I am not the only one to hear that is getting screwed by this company. One day, I was lazy enough to not drive to my nearest Lowe's store to pay off the bill. Instead I went online to pay the bill and the complete run around in order to pay bill off. I got so discouraged that I decided to drive and pay it off. Since that day, I have never (again) received a payment through the mail. I have always received a bill in the mail (up until around March of 2008). I constantly get calls from the company asking to call the 800 number because it is very important. When I call the number, I get an answering machine and that's it. I have tried (on numerous times) to get these people to continue sending me a bill, but this request has gone unanswered. I called and spoke to "Paul" about the situation and he insisted that I make a payment over the phone, to which I said that I didn't want to. He told me about how much I had to pay because I don't know how much I owe them and he hung up on me. WTF! I don't know who to contact, but am ready to join a potential class action lawsuit. First time I have ever had to put up with a problematic company and hopefully the last.