i have several pdl and was having furnace problems, now they are taking all of my money for refinancing and i having trouble paying my living monthly expenses, such as utilities , morgage. Today while going thru my account i had submitted my gas bill and somehow i have a unknow charge that came out of my account. When talking to the bank, the lady was very polite and ask if i had any pdl, because she has seen this before, where they automically enroll you in this product.