Just got off the phone, called about why payment went up 15.00. Was told because I was late in January, The late fee is 39.99 as stated on the statement. I was told that they break it up in 3 payment, 15.00 a month. If you add that up I come out with 45.00. They said they would apply the overpayment to the principal. Do you think that will happen. I think not
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