I'm dealing with them again, too. I had a loan with them back in 2004. I ended up closing the account, because they would not stop deducting "fees". I have paid in much more than is legally allowed. They are now trying to say that I owe them over $6000 because of fees, but they would be happy to offer me a discount if I gave them my checking account information right now.
The last contact I had with this company was in May 2005. They wait three years to contact me??? SCAM, SCAM, SCAM!!!
They absolutely refused to send me anything in way of proof that this is a valid debt, because they know it is not. They actually called me FIVE times in a row at work. The last time I told them that I was filing charges of harrassment. Boy did his tone change. He kept apologizing for the inconvenience. I told him it wasn't inconvenient, it was illegal. I'm just waiting to see if they call back again.