i sent in payment they ripped the check diagonally corner to corner the reason i know they did it, the dollar amount on check completely gone they wrote it on top of the returned check the check was stapled to a paper dated 7-24-08 and the envelope dated at the post office 08-06-08 because the check couldn't be cashed they put a hold on the card, the next day the statement came in the mail $39.00 late fee $23.00 intrest they screw up and want the consumer to pay or is this a way to cheat customers