went to company to ask for them to refinance or lower intrest for we pay 29.24 % every month and they told me that they could not !!!this really upsets me because i pay 103.00 every month and my payment is 97.00. on our last billing when we pay the 103.00 only 55.50 went on the account and 59.00 was fee charged-now which is right or wrong--i am a disabled veteran and this is not what i went to vietnam for to pay people like this .when i have enough to pay off total amount -i WILL never use their name again and i will be telling all my veteran friends