I know this has come up before about this company but I need help also. I opened an account with them in 2006 and I've been paying the finance charge up until now since then. I know I know.... I shouldn't have been but I didn't know any different until I found this great site. I took out a $200 loan in 2006 so I know that's a lot of money for just a little loan. I have been looking and reading some of the threads but still clueless on this one. I understand from reading that the company is in the England and really has no jurisdiction here.