These "so-called" people are scum. I've had them call 5:30 A.M. on a Sunday morning, and as late as 11:45 P.M.. I paid every on time every month for four years. When I requested a lo an payment record, to see how my repayment was going, I discovered that I owed $1.42 more than I had originally borrowed. I am turning everything over to my attorney and letting them deal with the problem. When I call Cash Call, all I get is threats and fowl language.