The only problem I have been experiencing is that repayments are being taken from my checking account 1 day too early and leaving my account in the negative but I have spoken to a few of their live service representatives and they agreed to make arrangements concerning repayment scheduling I made it clear to them that I must have them to take repayments or service fees on Fridays but the system keeps taking payments on Thursdays leaving my account in the negative, I spoke to them twice now.