I had personal loans taken out with this company. After making payment arrangements with them on existing loans of $400 they did not honor the payment arrangements and debited my bank account for the entire loan costs without notification. I changed bank accounts and they accessed my new bank account without my giving them my new account number. I also have sent them several emails requesting that they provide me with an account number so I can make payments directly to them from my end but no response. I had a lawyer look at their contracts and they are illegally charging fees like administrative costs, brokerage fees and locator fees far above the manadated allowed within canadian law for payday loans. In fact, my loans of $400 is being charged over 1000% interest!! I do not have a problem paying this company what I owe but I am sure as hell not going to be paying illegally charged fees. This company head office is based in the Cayman Islands as an added note and I think that is how they get away with these charges because Canadian Law cannot touch them. Well, I am one consumer who is not going to back down to their tactics. Until they actually contact me with a reasonable proposal I am not going to give them anymore of my money!!!