Thanks for the info! I am glad that I went to this web site. I could not get intouch with this company. I called this another company because, JD used this company and, I thought that the other company was the lender. So, when I call them to tell them that I was going to just pay the finance charge they said to me you do not have a loan with us. So, looked on my bank account and, see JD as the lender I have not clue how this happen. Anyway, I went to my bank and did a stop payment so, that they can not have access to my account. I will pay them by money order only. I talk to the ach depart. and they will make sure they do not get that $260.00. YOU FOOL ME ONCE AND THAT IS IT FOR ME. I will pay this but, not with my bank account. If i did not go to this web site I would have not know about this. Thanks again!