I got a $200 loan from them in November of 2005, I lost my job and got into a bad car accident in December of 2005. I was unable to pay the loan back by the due date, so their customer service people eventually called me to make a payment arrangement, because everytime I called their 1-800-680-2177 line I could never get an answer just an answering maching with this English ladys voice telling me to leave a message.