Big Picture Loans (formerly known as CastlePayday Loans) is a direct lender specializing in installment loans, or personal loans. The company's goal is to help borrowers find an easily accessible short-term solution without worrying about hidden fees and regulations.
Big Picture Loans is one of several loan companies operated by the Lac Vieux Desert Band of Lake Superior Chippewa Indians, a federally-recognized American Indian Tribe.
As such, BPL claims Tribal sovereign immunity from lawsuits, but consumers can still report the company to the US Consumer Financial Protection Bureau (see below).
Attention: Regulation notice
In 2014, a US District Judge ruled that the FTC has the authority to regulate certain arms of Indian Tribes, including payday loan companies operating under Tribal Law.
If you feel that you have fallen victim to a predatory lender, even one claiming Indian tribal affiliation, we advise you to file a complaint with the Consumer Financial Protection Bureau.
Continue reading this Big Picture Loans review to learn more about the lender and to read customer lending experiences.
Big Picture Loans offers payday installment loans, meaning that loan payments are due every payday over a longer period of time rather than in full on the next payday. Typically, borrowers with BPL have 6 to 22 months to repay the loan, so the loan functions more as a short-term loan.
Big Picture does not require an applicant's credit score for an installment loan, or personal loan, and because it does not require that credit score, BPL's payday lenders can potentially approve a personal loan to even those with bad credit history.
Big Picture Loans boasts a quick payday loan approval, getting money to a consumer's bank account within 24 hours. It can give a quick payday loan because of its relatively simple loan approval process.
The minimum requirements that consumers must meet to receive a Big Picture payday loan are:
Applicants can expect to hear back from Big Picture lenders generally within one business day of submitting a loan application to verify information.
The loan amount that applicants are approved for depends on several criteria points, including income level. Most lenders ask for more information than does BPL, requiring information such as credit card history, credit score, personal debt amount, and debt-to-income ratio.
At BPL, most first-time applicants are usually approved for loans from $200 to $1,000. Because payday lending and short-term lending can be risky, annual interest rates typically range from 780.03% to 788.62% APR but the annual percentage rate varies according to the loan amount, pay frequency, and total loan duration.
Because BPL offers installment loans, payments are stretched out over anywhere from 12 to 44 payments. The high interest rate and stretched out repayment schedule mean that borrowers often end up paying quite a bit more than the original loan amount.
The customer support department provides a phone number, fax number, email address, physical address, and mailing address for contacting company representatives.
Emails are generally responded to within a few hours and the phone number connects directly to an available representative.
This payday lender's reviews are overwhelmingly negative. These complaints generally fall into several consistent categories:
Because of these negative reviews, many potential borrowers looking for a payday lender may go elsewhere to borrow money.
Many frustrated customers have expressed that, because of misleading or false information, they ended up owing much more than the original loan amount or that was originally communicated to them in their loan agreement.
Also, when the due dates were incorrectly conveyed, customers often had to pay insufficient funds fees. Although BPL states that there are no early payoff fees, it appears that the company makes it difficult to repay the whole loan early.
While there are also positive reviews, they make up a small portion of the total number of online reports about Big Picture's services. The positive feedback focused mainly on the ease of applying and the speed of receiving funds, rather than on the repayment portion of the loan process.
BPL's services are not available in all states and the number of states serviced may change from time to time or without notice, making BPL a nerve-wracking payday lender for some individuals.
However, all transactions with Big Picture are considered to have occurred on Tribal land, so the laws of the applicant's state of residence do not apply. This means that Big Picture Loans does not have to comply with the regulations set forth by an individual state in order to issue a loan.
Potential customers should be aware that if any problems or issues arise with their payday lenders at BPL, they will not be able to report the problem to their state's regulatory departments, but they can still go to the Consumer Financial Protection Bureau.
Harassment and publicly insulted. I don't know how or where these predators got my name and address, but all of a sudden I'm receiving uninvited and unwelcome mail from them with the words "BAD CREDIT WELCOME" in bold letters on the outside of the envelope addressed to me. This is publicly insulting and harassing. I'm a business owner that pays my bills! And I DON'T have bad credit. What a bunch of unpeaceful troublemakers.
BPL is a predatory lender. I needed a loan quickly for car repairs. My credit is fair but not very old. 660. I quickly received my approval for $1600 with $226 payments. Didn't realize it's EVERY TWO WEEKS. Total cost of loan over 12 months is $6000+ !! Look everywhere else before using BPL
Big Picture Loans' review score is 284.0% lower than the average review score of the top recommended Payday Loans Company
Now you know going into it that it's a ridiculous amount of interest you have to pay for this loan. That's not my issue, my issue is that my payoff balance went up 35.00 in less then a 24 hour period. How is that even possible? Unless your completely desperate, don't get this loan!
THEIR AGENT MADE A MISTAKE AND THEY WANT TO CHARGE ME ADDITIONAL MONEY FOR IT. That's this company's idea of resolving a customer service issue. If I could give 0 stars, I would. I have used them previously without an issue. However, they recently changed their website and you now have to call to set up a payoff instead of being able to set it up on their website where the terms are laid out in writing.
Very bad place they are scammers they are thieves they are liars I had a $1,000 loan ask for the covid-19 forgiveness hey said yes a free game one payment they started collecting the other payments I called because they said that I was late and I told them they been taking payments out every time on time $700 worth of payments I asked for my balance and they told me after eight hundred and something dollars of pain that my payoff would be $64 in my original loan because of the payment day said I didn't have to pay was collecting late fees the whole time even as they took out the new payments don't ever use the scammers again that's why they won't let you post any reviews on Google or any of the other sites
This place is a joke, I have a good credit score and am able to get a loan from a normal bank, but I just need a really small loan for about a month, once I applied, it came back with a denied response within 5 seconds. When I called, I was told because I was self employed and my own boss, that it was not an except-able source of income, I told them I could show were I pay myself once a month, and it is usually over $10,000 per month. They said they did not care, and were basically saying that self employed people are crooks. I only needed about $700 to help buy my boy a new car, luckily, 5/3rd approved me for $5,000.00, even though I did not need that much. This place is disrespectful, rude, and just down right pathetic.
They tell you that you will save interest by paying off loan early then when you ask for payoff, it is the same as the amount of payments you owe. No interest is taken off! This is a rip off company and everyone should beware.
They are HORRIBLE. I did my verification online, then 2 days later I get a call saying they need to do a 3 way call with my bank for verification. The supervisor I spoke with was not useful. He said after the verification process it would take a few days to deposit the money. NOT good right before christmas. I had the application withdrawn and told them stop sending me mail offers and put me on the do not call list. RUN AWAY!!!!!!!!!
If there was a way to do this with 0 stars, I would. DO NOT USE THIS COMPANY. I know times are hard and these loans are fairly easy to get, but this place will rob you blind. There interest charges are freaking ridiculous. Made all my payments on time only to check and see that no more than $20 was going to the principal and the rest of the $230 was going towards the interest. I only used them because I had to take a medical leave from work and needed some cash quick. Never ever again!!! Please look for other places before you use these people. I would go without before I use these people ever again.
Do NOT do business with these thrives. Poor customer service. I asked to delay a payment due to a hardship and the kept trying to take it any way. I called to delay a payment and they offered me no options. The interest is horrible. I paid $1700 on a $800 loan. Run far far away from them.
Guy was sketchy when called in to complete the process. He have wanted to do an three way call with my bank then surprise bank is closed after hours. Said to call back in the morning then bam email denied with a credit score of 843. My family has always paid on multiple loans with this company. Don’t waste your time with them..
I have no rating for Big Picture loans. They suck. They charge you 3+ the amount of the loan. In 3 months I paid $75 short of what I borrowed. The are not credited with the BBC they don’t report to any of the credit bureaus. So! Be smart don’t apply more don’t accept
This was the third time I loaned with Big Picture Loans. The process was simple and fast. I knew rather quickly that I was approved. I would recommend these guys to anyone who needs help with money in a pinch.
I have taken a couple of loans with Big Picture Loans. I have never had a problem. The application was simple to fill out. Both times I had the money in my account by the next business day.
Would not recommend to anyone. I paid off my loan early, and inadvertently paid over the amount due. Getting a refund for the overpayment is like jumping through hoops. A three way call to my bank was expected for them to verify information in order to receive my refund, which I declined, as I prefer not to have my personal bank information, including my bank identification code announced to someone other than my bank representative. I was told that was the ONLY way to receive my refund. Apprently they do not send refund checks. Also, question if I would have been contacted about the over payment. At any rate I sacrificed my refund. Not worth the potential for fraudulent activity on my account, as I've experienced in the past.
I took a 700 dollar loan out when my mother passed at Christmas. Yes, the interest was high, but I knew that going in. My loan is near completion, and I have paid 860 in interest(only 2 payments left). I found that by prepaying 1 extra payment in the first month, it actually saved me about 400 dollars in interest. Take that as you will. Let's face it, anyone who is looking into these types of financing does not have the best credit, this company is taking alot of risk loaning people money. I changed jobs about a month ago, called them up and was able to put off a payment for about 2 weeks, then made two in one week. They will work with you, but it is not like other lenders that will keep calling. If you borrow the money, pay it back. It is that simple. Even paying these payments, I have been able to set aside money for an emergency fund, and that said, if I need help, I know now where I can go to get help. THANKS BIG PICTURE LOANS!
The proverbial “0 stars if I could” applies here. I knew the interest rate, I knew it’s not wise to do business with a company like this but I was in a bind and already had plans laid out to pay it off much earlier than the term stated. I was prepared for all of that but NOT the other shady stuff involved. The only stipulation I was told about paying off the loan early was “We just have to make at least one debit to your checking account for the first payment, then you can pay it off at any time”. Fine. I had to extend paying it off about 3 or 4 weeks later than planned so racked up some additional interest, unfortunately. I called to get a pay off balance a week before the next payday when I knew I’d pay it off. No problem, got that figure easily. When I did call a week later to pay it off, this is where the problems started. First, you’re recorded and there are a slew of questions as if you’re being interrogated by an attorney in a courtroom. Fine. “Would you like to use a debit card to pay off the balance”? Sure. “Well just be advised that if you use a debit card this is a foreign transaction and your bank will probably reject the payment”. Then what are my options? “Do you want to use the same bank routing and account number used for your past payment?”. Of course, is there a problem with the payment being rejected in this manner too? “No”. (Fortunately I had a voided check in my wallet when calling from the car – I wanted this monkey off my back asap – I’ll bet she wasn’t prepared for me to have that voided check on hand and her voice reflected as such). I called on 4/22 to pay this off. “O.K., I will process this payment for 4/26 or after”. What? Why not today?! “Well, because….blah, blah, blah……please state ‘yes’ if you agree to the transaction taking place on 4/26 or after”. Why “after”? 4/26 then, but I’m not agreeing to “or after”. (Again, you’re being recorded). “Sir, o.k., I will process the transaction ON 4/26 but just state ‘yes’”. Yes. Anyway, this is how they ripped another $60+ of interest out of me. Could be more or less for you but this was VERY shady delaying that final payment. That’s how they get their additional money out of you. Imagine if I was recorded agreeing to the “or after”. It would have been processed on 5/15 and I’d be out another $200 of interest along with days on the phone fighting. I also asked if I’d get a confirmation that this loan was paid off and she advised I’d get an email on the day of or after the final payment transaction. I never received that email. The automatic debits to my checking account did stop though so I’ll hand them that. Please note she was VERY p.o.’d throughout this process to get that paid off when they were very, very pleasant when getting you to take out a loan with them. DO NOT use this company. I’ve used payday loan stores in the past when in a bind and it was a much more non-BS and pleasant experience and, in my opinion, their fees/interest were fair and reasonable. Fortunately I’m out of this financial nightmare that my employer placed me in and hope to be beyond this for the rest of my life. Donate plasma, sell parts off of your car or just let your house go in foreclosure before dealing with this shady company.
I know your company has taken advantage of people who run into hard times. The practices of this company needs to be investigated. An attorney needs to review these cases and contact all of these complaints, and bring a class action lawsuit against this company, just because it is a Indian tribe it should not be above the law.
RUN. DON'T TAKE A LOAN FROM THIS COMPANY! I was desperate and took out at $1,100.00 loan in January. The payment sounded reasonable $165.70. Until I realized this payment is TWICE a month. The interest rates are ridiculous and these loans should be considered predatory. I made 5 payments = almost $850. When I made the payoff today (April 9th) the payoff amount was $1,195. I owed MORE than I borrowed despite making payments twice a month for three months. Had I not paid off the loan in full early and took the full 12 months to pay. I would have paid $3,000 in interest. Borrow money from family/friends or sell valuables before even CONSIDERING dealing with this company. Taking a loan from Big Picture loans might seem like a good idea when you are desperate, but - trust me. Run. Don't walk. Run. You'll be so much better off financially if you do not do business with this company which I believe is a predator.
unbelievably super high interest rates! DON"T DO IT!!!
They keep sending letters with pre approval and then deny the loan. Why even bother to send these letters and waisting their time and mine.
DON'T, I repeat DO NOT apply for a loan with these people. They are the absolute worst loan company I've EVER encountered. They are VERY deceptive in the wording they use for their application/offers. Even if you are feeling desperate financially - don't apply here. You will end up paying triple of what you actually borrow. Also, their offer's will make you believe that you're paying a small amount monthly when in fact, you're paying them every other week. Reading the fine print won't help you here...unethical practices! They should be shut down and they don't deserve ANY stars!
I needed a fast loan and going through a refinance and couldn’t apply for a traditional one at the time. Emergency came up, they loaned me exactly what I’d asked for, I read the info on the interest rate and knew going in it was high but had no choice. I had my payments automatically taken out each month, i knew what they would be. I made my 6 monthly payments, done deal. I’d read the reviews and was hesitant but in desperate times you do what you must. I had no issues. Only complaint is the high interest rates.
They said i was pre approved then said they could not give me a loan messing up my credit
I applied got approved tried to log in couldn't. Called the number provided they said they could not issue the loan due to no email address on the application. The problem with that is, the loan process will not let you proceed without providing an email, phone number, address, place of employment, ect. I tried for several minutes to get an answer from them, all that they kept saying was I did not provide one. I repeated myself to her about the application process doesn't allow you to go forward with the application without it. I wanted an explanation, she could not provide me with one. I ASKED IF THIS WAS A SCAM. SHE SAID NO. I IMMEDIATELY CANCELLED MY APPLICATION AND STATED THAT I WOULD REPORT THEM TO THE BETTER BUSINESS BUREAU. I WILL NOT BE UTILIZING THIS COMPANY IN THE FUTURE!
This was my third time taking a loan from Big Picture Loans. I paid off the two payments early (within a week after funded) and they didn't charge me anything. Great!!! Now, I wanted to pay at least half of the loan amount , which is $500. So I setup a payment of $500 on Friday, which is my payday, the 14th of Dec, 2018. But, they took the money on the 13th of December. Then, my bank requested a return of the amount because my account went overdrawn. The bank charged me a $35 fee for a returned item fee. Let consider as it is okay for the charge. But when I call them to setup the payment again they said I have to wait 3 days before I make any kind of payments. I waited 3 days and call them back to setup the payment. Guess what? I can only pay the due amount and I have to wait another 4 days. GO TAKE A LOAN FROM THIS COMPANY IF YOU ARE ONLY IN DIE OR SURVIVE SITUATION.
Be Aware! Big Picture has worse people for customer care. Besides worse people I signed a loan for 4 month pay back, called customer service they told me was 12 months that would be totally insane. That interest amount is 5500.00 plus 1400.00 borrowed. There’s no way I would have ever agreed to such an arrangement. Top it I’ve been waiting for Big Picture send me copy of what they say I agreed, no copy! Little do did I realize there are numerous complaints n’ side ways business conduct conducted with customers. Whatever you do find another loan source. I had get an attorney straighten this out!
I first took out a loan with a big hassle of emails and customer service person called my bank and was told I have 7000.00 a month income. Finally got loan and paid it off early. I then applied for another one and it's been denied due to bad credit with BIG PICTURE. It doesn't make sense. I asked for supervisor no help other than saying I'll get the denial in 30 days. What the heck. Maybe cause I paid it early they didn't get the 1400 in fees! I will contact BBB, social media here I come.
My first loan took a while for them to contact bank to verify income. They find out my income is 7000 a month and grant me a loan w unbelievable fees! I paid off the 38 mo loan in a month. I tried now and have been denied. What! I emailed them no response other then automatic emails I then called couldn't tell me why spoke to useless supervisor. I will find out why in writing. Time to let BBB, and social media know not to use this company and cashnet. Jeanette Seeman
"Read & Understand before applying". I would NEVER work with this company EVER again... Customer Service is great, but the terms , pay off really catches you. Pay Off shocked me when I called to pay off this loan. I got approved $1000.00 , made 4 payments of $180.00 every other week from the acceptance of the loan date. And still had to pay $1,175.00 for pay off. Never again and never referring them again. For those who are in need of money, do your research and UNDERSTAND it.
Big Picture Loans should not be in business! Taking advantage of Consumers like they do! Customer service is very very Poor! I called in to have my loan paid off. They took to much Money from Payoff Quoted! They owe me a refund! It has been six days and still no refund. All they do is give you the run around on the refund. If you would miss a paymnet, which I never did, they would be hounding you for payment. if they owe you money its a big run around! Amazing how a predator Lender can take money that is not owed to them and hold it! I would run from this company. I would not give them any stars but have to give one star!!!!!
1200.00 to pay back a 250. 00 loan. Don't do it.
Absolutely horrible and inefficient company to deal with when it comes to trying to pay your loan back. They use an intermediary company to process their electronic payments, which if your bank is any good, will be refused because its not the loan company which issued the payment to you. Why? Because it looks like a MONEY LAUNDERING PRACTICE. RUN FAR RUN FAST FROM THIS COMPANY
I received two pre-approval letters. I called to discuss the rates, and payment options because they are not mentioned in the letter. The representative told me to go to the website for every single question I had (he answered absolutely nothing). Then, at the end of the short, and useless conversation (where he repeatedly informed me that he couldn't answer my questions, and I had to go to the website) he had the audacity to ask me if I had anymore questions!!! I informed him that if I had anymore questions, I am sure that I would have to refer to the website LOL! I laughed, and hung up. I would give NO stars if I had the option.
This company is CRAP!!! I called to ask them if I pay a certain amount what would my payoff be, she said she could not tell me until the payment clears my bank. Wonder why???? Why? because then they charge you more interest of course! These people rob you blind. It is my right to know what my loan payoff is at any point of my loan, paying off a certain amount at a time They should be able to tell me what the balance could be.
I took out a loan with Big Picture in June 2018 for 750.00(which I was approved for up to 1500.00) to be paid back in 6 months at a APR of 276.1499% and my payments would be 229.92 which was ok. then I found myself needing more money so I called back and asked can I pay off my current loan and reapply for 1200.00 and they said yes since I was already approved before for more. Well I paid off my old loan and reapplied as I was told and was approved but the APR went from 276.1499%(the rate of my old loan) to 498.5064% and my payment is now $513.11 which is double payments and interest which is crazy!!! I was so upset because I realized that I just Shot myself in the Foot. The representative could not tell me why my payments and interest rate doubled. I had no other choice but to take it because I drained my bank account to pay off my original loan to get my current loan. No one can believe my payment or interest rate when I tell them. This is highway Robbery!! I financially able to pay the payment of 229.92 that I had but to have it doubled and not have a choice but to take it, I don't know what I am going to do now....
Dawn F Smith
I applied over 24 hours ago, submitted and signed all requested. Now, still saying under review and I have gotten no response to my emails. Not happy so far!
Am I the lone lucky customer of theirs? I guess so. I have in total gotten 3 loans from BP loans. I swore when I was younger that I would never get a loan from a company like this, but I found myself in a desperate situation that went on for about a year. I already knew the interest and fees were going to be outrageous. That's expected for these types of loans. I made a plan to pay them off early each time, and I did with no problem. The interest rate is lower with each subsequent loan. The only time I have ever had an issue was with my first loan. I wanted to move my due date a few days. I emailed customer support and never heard back from them. I didn't try to call. All my payments were deducted on time from my accounts for the correct amounts. Of course I wish it didn't cost so much, but I knew the costs going in. The many long pages of contracts spell it out for you. The payment schedule is there.
Wow, I read the reviews because I attempted to call and got no information. I'm sorry for those of you who took several hits for the team. You should contact your Attorney General's offices in your state and report the deceptive practices.
STAY AWAY FROM THIS COMPANY!!! I cannot stress this enough! This company lies and cheats people. I applied for a loan and was approved. I signed all of the documents and when I called in to finalize the application I was told it had been withdrawn and I would have to re-apply. When I did so, I was once again approved but for a much higher APR than the original approval. The time lapse from first approval to second approval was not even 10 minutes. When I questioned the phone rep I was told this is system generated. When I asked for the original application with the original terms to be reinstated I was told they can't do that because it is system generated. Only companies that are willing to cheat their clients would increase an APR in less than 10 minutes when provided with the exact same information. I have dealt with many credit card and loan companies and have never seen such blatantly dishonest business practices. Again, stay away unless you really want to be cheated. By the way, if I could give this company less than 1 star, believe me I would.
One star for how easy it was to get the loan of $700. I knew the interest would be very high. My installment loan papers reflected what I was told, and payments were deducted accordingly that's why I gave them another star. However, the last payment was only partially deducted leaving a balance of $97.11. I check my accounts regularly so discovered this within two days of the scheduled payment. I called was told account delinquent. I notified them they only took a partial payment not as stated on my loan documents. I was transferred to "Resolution Dept." who said I could payoff the loan today but I would have to pay $5.96 Interest. No more stars. I paid it off. Got Rep No. and reference no for payoff. I then Checked my account. Payment was deducted correctly. I also checked My Account online at Big Pictures. Shows my loan is paid off. I printed that information. Was told by Big Pic Rep that I would receive a paid off email from them but they couldn't say exactly when. Beware! The last payment will be only partially deducted! That's how you end up paying more.
That guy from Fairfield, CA
I got a pre approved letter in the mail a few days ago. God or somebody was watching over me, because the application process kept restarting everytime I pressed submit. I gave up after the third time. Then while searching for a customer service number through google, I found this site and read the reviews. I am so thankful the website was acting up! Someone said upwards of 500% interest??? Watch the documentary "Dark Money" on Netflix. There is an episode that describes the predatory lending schemes that one company was performing on innocent hard working taxpayers. This company doesn't sound too far off! Watch your six!!!! If you borrow a $500 loan, you shouldn't have to pay $1300 back!!!!
Service is shady and terrible and you wait 60-90 minutes to speak with someone. No where does it tell you its 600% interest. You have the right to email them with the subject line and body of email saying REVOKING RIGHTS TO ACH/EFT so they no longer can direct debit you. Also, file a claim at https://www.consumerfinance.gov and plead your case and they might settle for just the principal amount with no interest. And in installment payments. Worked for me.
This company is a TOTAL ripoff. I agree with the RIDICULOUS finance charges, hidden fees, and interest. When you in a tight, you don't be thinking logically to allow these PEOPLE to take more from YOU than what you borrowed from THEM. In my case, $600 with $3600 interest paid in full. This has DEFINITELY been a TRUE eye opener and eye sore as well!
Judy T Harris
I borrow 200 and it was the worst pay back [
Brooke A Michael
If I could give less than 1 star I would! Very misleading company that makes it very hard to pay off early. I tried to pay off the debt and they gave me the song and dance that their system was down. I got this response for a week until they told me they don't have a credit card system in their Philippians location.
I'm so happy I found this site. I got a pre approval letter in the mail. I wanted to pay off my credit cards and just have one bill. Hell to the naw... Thanks everyone and I'm sorry you had to go through this....
i had the foolish idea to take a 500 dollar loan from big picture loans, i made 5 payments ontime and then paid off my loan in full, i have been acosted by them on numerous occasions, forcing my bank to verify that the payments went to them as the merchant and that none were returned. thay keep sayiong i am behind because i paid it off early removing 1000 dollars in interest. i recomend that no one ever use these thievs, you will regret it.
Do not take out a loan with these people. I can relate to the Lady from St. Pete, I live Bradenton, Florida and the exact same thing happen to me. I call , finally got a hold of someone with some sense. On my contract it stated my maturity date was 3/2/2018 for 88.47, However when I checked my personal account they had taken out the payment. I received an email from Big picture stated my account was past due of 23 plus dollar. I hit the ceiling, my question was if they are doing ach withdrawals why am i past due. so I called and had told them they exact same thing, about getting lawyer and that i knew what the law states about payday loans etc. long story short my account is paid in full. I thank God as well . still going to be checking my personal account just in case. Do get a loan with Big Picture big ripoff is what they are.
They are a scam,I had 800.00 loan was so happy to reach 3/3/2018,this loan would be paid off.I check my banking acct daily,waiting for payoff date to come,instead of BPL taking 473 as always,they took 324,then I went to their website to see what they were doing with my account,they had me past due for 149, I was pissed,I was never pass ,due,I pay ACH withdrawl after reading and figuring it out the past due and what they took from my ach equal my normal monthly payment.Mine you, I saw this on the 3rd when I finally got someone on the phone they said I owe 151,now payment was due the same day how do you tack on extra interest are you charging me hourly interest.Finally after an hour on the phone and reaching someone that was compent I told them you better let pay you this 149 via my debit today or come Monday I will be seeking an attorney that would help me draft a class action lawsuit against you and once that is in force, there would definitely be more people coming at them,long story I do save everything to mycomputer ,I wanted to see a paid in full on my account,which they did and it is saved with the orginal applications and paper work,I have the 6 months bank achs and how their contract read 6 payments of 473 and you do it for 5 and the 6 and only take 324 and right away trying to charge interest on the 149.I was embarass to ask anyone for help so I took this loan for 800 and paid 560% interest ,when I did tell my sister said next time come to her for help.You have to go back at these people hard,yes we all situations,but no one should abuse the laws.I reminded them I live in florida and yes they coud be held accountable not on payday loan but for fraud after I had been do diligent in doing the right thing.HARD LESSON LEARNED DO NOT PATRONIZE THESE PEOPLE.Just think if I had not noticed my account next month I would have owed them still 149 plus the 3.00 per days were tacked on. Finally,thank you Lord for letting me see and hopefully no one else will fall victim to corrupt people.